Low Cost Individual Health Insurance -- Surefire Tips That Bring About Cheaper Rates

How far have you gone in taking steps to attract very affordable individual health insurance rates? Have you limited yourself to only recommendations that you got a long time ago? Won't you love to get more tips considering that will imply more massive savings? Then check if you've made use of these tips...

1. You'll save by insuring your kids through state plans. However, not everyone is eligible to use such state plans.

But check if you are eligible as this will cost you nothing or very little in most cases. If you have a child with a special ailment, you will spend less if you insure such a child through a state plan.

2. Although many individuals know that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For instance, you'll pay a higher premium if you chew or snuff tobacco.

Therefore, you will help yourself get less expensive rates if you avoid tobacco use in any form.

3. You can lower your costs by taking advantage of free clinics. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. Clinics like these are normally rendered as community service.

4. People with excess weight pay far higher individual health insurance rates than people 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 attract an expensive premium all other things being equal. If your BMI rating is high it simply means that your weight is too much for your height. And do not think that you'll get savings only when you lose fifty pounds, just losing a few pounds will lower your rates provided it reduces your BMI rating.

5. You can reduce your costs by buying prescriptions online. Buying by telephone might as well get you affordable prices. Companies who sell through the internet have lower costs than brick and mortar businesses and this means that they can and (do sell) at lower prices. But if you've chosen to buy online do all within your power to find out a little about whom you're buying from because there are wolves on the internet. Simply visit BBB online and you'll know if you should buy from a particular company.

This is quite very important as you won't want to endanger your health in the name of making savings.

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