Low Cost Individual Health Insurance -- Tips To Attract It

How well have you done in your quest to cut your individual health insurance rate? Have you limited yourself to one or two tips that you got a years ago? Won't you like to learn more considering that will mean saving even much more? I have many more time-tested tips here...

1. You can insure your kids through state plans if you need to lower your cost. However, not every family can benefit from these plans.

These plans are often either free or cost very little. These plans can reduce your expenses by a huge margin if your child has a special illness that will cost you much if you insure them with private insurance carriers.

2. It is now clearly known that smoking causes higher individual health insurance rates. What people might not know is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher premiums.

Therefore, for your health and lower rates, stop using any tobacco product.

3. Making use of free clinics will help you lower your spend. You can get professional medical advice, blood pressure checks and much more at such free clinics. Clinics like these are generally some form of community service.

4. People with excess weight attract far more expensive individual health insurance rates than individuals with normal weights. There is something called Body Mass Index (BMI). It is used to calculate a prospect's rates.

The higher an individual's Body Mass Index rating, the more expensive their premium will be. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Now don't postpone it for when you can lose thirty pounds because dropping as little as five pounds can reduce your BMI rating which will result in cheaper rates.

5. It will cost you far less and lower your rates if you buy your prescriptions over the internet. Buying by telephone will as well get you lower prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But to ensure you're buying from a good company, check. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

While we want to reduce our health care spend we also need to ensure that we safeguard our lives. If you verify whom you buy from you'll save much while getting the best.

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