Low Cost Individual Health Insurance -- Proven Steps That Guarantee Better Rates

To what extent have you gone in ensuring you get very affordable individual health insurance rates? Did you simply stop at the few tips you learnt then? Won't you like to get more tips since that will translate to more massive savings? I've got many more time-tested tips here...

1. There are state plans for kids that will reduce your expenses if you get them for your kids. There are often criteria for eligiblity.

These plans are usually either free or almost free. If you have a child with a special ailment, you will spend less if you insure such a kid through a state plan.

2. It's now clearly understood that smoking will attract higher individual health insurance rates. What people might not understand is that the same also applies if you use any other form of tobacco product. For instance, you will attract a more expensive premium if you chew or snuff tobacco.

So, you'll help yourself attract less expensive rates if you avoid tobacco use in any form.

3. You can reduce your spend by using free clinics. You'll either bring down your premium directly or have fewer and reduced co-payments to make this way. These free clinics will take care of simple things like giving you medical advice, blood pressure checks etc. Clinics like these are generally some form of community service.

4. That excess weight is costing you a lot in health insurance. Your BMI or Body Mass Index is a very useful factor used to define your risk to an insurer.

The higher an individual's Body Mass Index rating, the more expensive their rates will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. And do not think that you'll get savings only when you lose 50 pounds, just losing a few pounds will lower your rates once it alters your BMI rating.

5. You can lower your rates by buying prescriptions online. Buying by telephone will also get you lower prices. Companies who sell online have lower costs than brick and mortar businesses and this implies that they can and (do sell) at lower prices. But if you choose to buy online do all within your power to find out a little about whom you're buying from because there are wolves on the internet. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

While we want to lower our health care costs we also have to make sure we safeguard our lives.

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