Cheaper Individual Health Care Insurance - Suggestions For Better Quotes

17 percent of the American population doesn't have any form of health insurance. This is culled from a report by the U.S Census Bureau. It's important to point out that group health plans are the reason why a high pecentage of these few who have health insurance can obtain it.

In spite of this, the sum of Americans without health insurance may probably increase the reason being that most people are finding it too burdensome to provide their employees with health care benefits. This situation is because of the high cost of health care.

As a result, if most of those who currently enjoy group health plans are to continue having health insurance, then they'd have to get individual health insurance plans. And since it will typically cost so much to have individual health insurance, steps to savings on health insurance would be seriously appreciated.. I'll uncover a number of ways that will help you lower your health insurance rates...

1. Smokers pay individual health insurance rates that are twice or more that of individuals who don't smoke. It's no longer disputable that smoking is the topmost cause of cancer and other terminal diseases.

This raises their risk to an insurance company and therefore raises their rates by a huge margin. It is up to you to abstain from smoking and then re-apply after 12 months if your desire is to see your rates reduced by fifty percent.

2. People with excess weight attract far more expensive rates than individuals with normal weights. There is something called Body Mass Index (BMI) which is used to determine a prospect's premium.

A high BMI will always get a high rate all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now do not postpone it for when you can lose thirty pounds because dropping as little as 5 pounds can drop you into a lower Body Mass Index rating which will result in cheaper rates.

3. Although many insurance prospects have realized that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher rates.

So for your health and cheaper individual health insurance rates, stop using any tobacco product.

4. Take it or not, the way you drive can have a negetive effect on your health insurance rate. Being found guilty of traffic offences is not only bad for your auto insurance rate it also affects your health insurance rates. This is because you'll become a bigger risk to your insurer.

Improving your driving history and developing a good driving culture will reduce your premium. Super-fast automobiles like fast muscle cars and super bikes will make you pay a more expensive health insurance premium. The higher likelihood of an accident means someone could be wounded and need to make a claim.
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