Cheap Individual Health Insurance: Recommendations For Better Quotes

A report shows that not up to 2 out of every ten Americans have health insurance coverage of any type. This is based on a report by the American Census Bureau. Furthermore, a many of those who have any kind of coverage can pay for it just because of group health plans.

This, regrettably, may soon history as many employers might soon exclude group health insurance from their employment allowance since they are becoming quite tasking on their businesses. This is partly due to the high cost of health care.

So, if most people who currently enjoy group health plans are to continue having health insurance, then they would have to buy individual health insurance plans. And since it will really cost so much to buy individual health insurance, steps to savings on health insurance would be helpful.. Let's see distinct ways you can reduce your individual health insurance premium.

1. Stop smoking if you want inexpensive individual health insurance. Smokers are more likely to die untimely and are also more likely to have many harmful diseases.

If smoking results to certain health problems, then it makes a person a high risk and that calls for higher rates. It is up to you to quit smoking and then apply again after twelve months if you want to see your rates brought low by 50%.

2. Overweight people attract far more expensive rates than those with normal weights. Your BMI or Body Mass Index is a very useful factor used to define your risk to a health insurance carrier.

A high BMI will always get a high rate all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. And don't think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates once it alters your Body Mass Index rating.

3. Using tobacco in any form will add to your rates. Chewing or snuffing tobacco, for example will cost you in higher premiums.

Therefore, you will help yourself get less expensive individual health insurance rates if you stay away from tobacco use in any form.

4. A poor driving record can make you pay higher health insurance rates. Being convicted of traffic offences isn't only bad for your auto insurance rate it also affects your health insurance rates. Any person who drives roughly might make a claim soon as they're more likely to require medical attention.

Hence, driving better doesn't only help your auto insurance, it also gives you cheap rates in health insurance. Sports cars and power bikes will raise your rates because they make you a bad risk. The simple reason remains that you raise the chances that you will make claims soon.
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