Low Cost Individual Health Insurance -- Tips That Will Make It Easy

Have you succeeded in your quest to cut your individual health insurance rate? Did you just stop at the few tips you learnt then? Won't you love to learn more considering that will translate to more massive savings? Then see if you've thought of the following...

1. You can have your children insured through state plans if you need to lower your spend. There are usually criteria for eligiblity.

These plans are often either free or require little payment. If you have a kid with a special health condition, you will save much if you insure such a kid through a state plan.

2. Using tobacco in any form will increase your individual health insurance rates. Chewing or snuffing tobacco, for instance will cost you in higher rates.

Therefore, for your health and cheaper rates, quit using any tobacco product.

3. Making use of free clinics will help you bring down your cost. You will either bring down your rates directly or have fewer and lower co-payments to make this way. You can get professional medical advice, blood pressure checks and much more at such free clinics. Some communities provide such facilities and some may just be part of a group's community service.

4. Shed excess weight and your individual health insurance premium will be lower. An insured's Body Mass Index (BMI) is a serious factor that affects what a person pays as rate.

The higher a person's Body Mass Index rating, the more expensive their rates will be. The more overweight you are for your height and sex the higher your BMI rating will be. Put more effort into shedding excess weight as dropping even a few pounds could give you another Body Mass Index rating and result in more affordable rates.

5. It will cost you far less and reduce your rates if you buy your prescriptions online. You can also be given cheaper prices if you buy by phone. Drugs are more affordable online because the cost of operating a business is dramatically lower with the internet. But if you choose to buy online try to find out a little about whom you are buying from because there are wolves online. It is very easy to be sure by making use of a resource like BBB.

While we want to reduce our health care costs we also need to ensure that we safeguard our lives.

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