Cheap Individual Health Insurance - Tips For Lower Rates

You'll be surprised to find that almost 20 percent of all U.S citizens are without health insurance of any type. This is what the American Census Bureau says. And this could have been worse if not for group health plans that have made health insurance possible for a good portion of those who have it.

Though, the sum of Americans not having health insurance may likely multiply due to the fact that most businesses are beginning to find it too tasking to provide their workers with health care benefits. This situation is because of the rising cost of health care.

Therefore, if most of those who are still enjoying group health plans are to continiously have health insurance, then they would have to look for individual health insurance plans. And because it will naturally cost so much to get individual health insurance, steps to savings on health insurance would be helpful.. I'll share a number of ways that will help you lower your health insurance rates...

1. Quit smoking if you want more affordable individual health insurance. It is no longer a hidden fact that smoking is the topmost cause of cancer and other terminal diseases.

It costs insurance companies a lot more to give health insurance to smokers due to their high risk. Once you stop smoking for about 12 months inform your present insurer or reapply to another insurer and you'll see a remarkable drop in your premium.

2. That extra weight will make you spend more in health insurance. There's something known as Body Mass Index (BMI) which is used to determine a prospect's premium.

The higher an individual's Body Mass Index rating, the higher 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 losing even a few pounds could give you another Body Mass Index rating which means more affordable premiums.

3. It is now commonly understood that smoking will attract higher rates. What some might not appreciate is that the same also applies if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, for your wellbeing and lower individual health insurance rates, stop using any tobacco product.

4. A bad driving record can make you pay expensive health insurance rates. If you have many speeding tickets or a record of street racing you will pay much more. The simple reason is that if you are such a driver, you will most likely need medical attention for injuries than a very careful driver.

You'll lower your rates if you cultivate a the right attitude behind wheels. Extra powerful automobiles like fast muscle cars and power bikes will make you pay a higher health insurance premium. This is because they will more easily cause you injuries due to their higher risk of accidents.
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