Cheap Individual Health Care Insurance - Suggestions For Better Quotes

A study shows that not up to 2 out of every 10 Americans have health insurance coverage of any type. This is based on a report by the U.S Census Bureau. It is crucial to point out that group health plans are the reason why the majority of these few who have health insurance can obtain it.

This, however, may soon change as many employers might soon remove group health insurance from their employment allowance because they've become quite a strain on their businesses. The rising cost of health care is responsible for this new development.

This implies that for most individuals to have any form of health insurance, they'd have to provide for themselves. And because it will naturally cost a lot more to have individual health insurance, savings tips on health insurance would be seriously appreciated.. Let's see several tips to lower your individual health insurance rate.

1. Smokers pay individual health insurance rates that are twice or more that of people who don't smoke. It is no longer a hidden fact that smoking is the highest known cause of cancer and other terminal diseases.

If smoking leads to specific health conditions, then it makes a person a high risk and that attracts higher rates. It's within your power to stop smoking and then apply again after twelve months if you want to see your rates brought low by up to 50 percent.

2. Lose weight and your rates will reduce. An insured's Body Mass Index (BMI) is an important factor that determines how much a person pays as rate.

A high BMI will always attract a high rate all other things being equal. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Put more effort into shedding excess weight as losing just a few pounds could put you in another Body Mass Index rating and result in cheaper rates.

3. It is now generally known that smoking will attract higher rates. What many might not know is that the same also applies if you use any other form of tobacco product. People who snuff or chew tobacco will also get higher rates than people who don't

Staying off all tobacco products will help you get cheaper individual health insurance.

4. A bad driving record can make you pay higher health insurance rates. If you have many charges on rough driving or a record of street racing you will spend much more. This is because you will make yourself a worse risk to your insurer.

You will lower your rates if you cultivate a the right attitude behind wheels. Fast muscle cars and super bikes will raise your rates since they make you a bad risk. The higher probability of an accident means you could be injured and have to make a claim.
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