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

To what extent have you gone in taking steps to get the cheapest individual health insurance rates? Have you limited yourself to just recommendations that you got a long time ago? Won't you love to get more tips since that will translate to more massive savings? Then see if you've applied these tips...

1. You'll save by insuring your children through state plans. Nevertheless, not everyone can benefit from such state plans.

They will either cost you nothing or close to that so check to see if you're eligible. If you have a child with a special ailment, you will save much if you insure such a kid through a state plan.

2. It is now commonly known that smoking will attract higher individual health insurance rates. What some might not understand is that the same also applies if you use any other type of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

So for your health and less expensive rates, quit using any tobacco product.

3. Go for free clinics if you intend to lower your spend. These will either lower your co-payments or rate as a whole. They are good opportunities for you to get professional medical help and have regular check up. Clinics like these are usually some form of community service.

4. Reduce you weight and your individual health insurance rates will reduce. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

If your Body Mass Index rating is high, your premium will be expensive. You're overweight for your height and sex if your BMI is high. Now don't wait until when you can lose 30 pounds because shedding as little as five pounds can drop you into a lower Body Mass Index rating which leads to lower rates.

5. Buying your prescriptions online is a proven way to reduce your health care costs. Buying by telephone will as well give you cheaper prices. Companies who sell through the internet have lower overheads than brick and mortar businesses and this implies that they can and (do sell) at cheaper prices. However, you will do well to check the company you're buying from so you don't put yourself at risk. Simply go to BBB online and you will know if you should buy from a particular company.

While we want to lower our health care spend we also need to ensure that we safeguard our health. Checking with BBB online and other such services will put you on the safe side while you buy at cheaper prices online.

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