Health Care Insurance -- 7 Ways To Cut Down Cost

There are things that will help you get massive savings without putting yourself at risk. Would you like to learn more about them? If this is true about you then go through this article for sure-fire tips...

1. People with excess weight pay far more expensive rates than individuals with normal weights. There is something known as Body Mass Index (BMI). It is used to determine a prospect's rates.

A high BMI will always get a high premium all other things being equal. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Put more effort into shedding excess weight as losing as little as a few pounds could give you another BMI rating which means more affordable rates.

Insurance Quotes

2. Despite the fact that many insurance prospects know that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. For example, you will get a higher premium if you chew or snuff tobacco.

So, you will help yourself get cheaper rates if you avoid tobacco use in any form.

3. If you drive irresponsibly then be prepared to pay higher health insurance rates. If you have many speeding tickets or a history of street racing you will pay much more. Any person who drives roughly might make a claim shortly as they are more likely to require medical attention.

Hence, driving better doesn't only help your auto insurance, it also gives you lower rates in health insurance. Fast muscle cars and power bikes will increase your premium because they make you a bad risk. The higher likelihood of a crash means you could be injured and have to make a claim.

4. A very affordable premium is good, however, be certain that you don't become led astray by focusing on it. What you should be after is not just the lowest quote but the quote that offers the best price to value ratio. Based on a number of factors, you can get very low rates that offer you the quality you want if you shop extensively. But be ready to pay slightly more if required to buy the right coverage for you.

Affordable Health Insurance

5. Go for catastrophic health insurance instead of a regular policy if you hardly fall sick and you'll get more affordable rates. This type of policy is useful for you if you suddenly fall sick or are involved in an accident.

You'll truly love this plan if you ever have to pay huge bills due to unforeseen diseases or accidents. That's the reason it's protection against catastrophic ailments or accidents. They can be bought at very inexpensive rates.

Notwithstanding, the deductibles are generally as much as $2,000 but they are certainly worth it considering that you rarely get sick and are getting coverage in case a catastrophic illness or accident befalls you.

6. If you want to spend less on health insurance open a Flexible Spending Account. You can save tax-free dollars to cater for your health needs. Any amount unused could be rolled over into the succeeding year (still tax free). With this account you can actually save a considerable amount to take care of your medical needs.

Health Insurance Quotes

7. Quit drinking if you want cheaper rates. Drinking adds to your health risk.

You well know that many health conditions are made more likely by heavy drinking.

How much drinking is safe for you? I cannot really say as there are people who can take a bottle and still be okay while some will take just a sip and then go bersek.

What I do know is that avoiding alcoholic beverages totally is isn't harmful to anyone. For those who cannot quit totally, try to drink in moderation.

It's just that for most people drinking responsibly is even more tasking than total abstinence. Seek help if you want to stop drinking alcohol. There are organizations that help alcoholics stop drinking.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!