Low Cost Individual Health Insurance -- Time-Tested Tips That Guarantee Cheaper Rates

Have you succeeded in your quest to cut your individual health insurance rate? Did you simply give up after using the few tips you learnt years ago? Won't you love to get more tips considering that will imply saving even much more? I've got a few more proven tips here...

1. There are state plans for little children that will spend if you get them for your kids. There are conditions that must be fulfilled before you are deemed eligible.

These plans are often either free or cost very little. If you have a kid with a special health condition, you will save much if you insure such a kid through a state plan.

2. It's now generally known that smoking will attract higher individual health insurance rates. What people might not understand is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

So, you'll help yourself get lower rates if you stay away from tobacco use in any form.

3. You can reduce your spend by taking advantage of free clinics. They are good opportunities for you to get professional medical advice and have routine check up. These clinics could be organized by a community or as a form of community service by an organization.

4. That extra weight is costing you more in health insurance. There is something called Body Mass Index (BMI). It is used to calculate a prospect's rates.

If your Body Mass Index rating is high, your rates will be expensive. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Do your best to shed excess weight because dropping as little as a few pounds could put you in another BMI rating which means cheaper rates.

5. Buying your prescriptions on the internet is a sure way to lower your health care spend. You can as well get cheaper prices if you buy by phone. Drugs are more affordable online because the cost of doing business is considerably cheaper with the internet. Howbeit, you'll do well to check the company you're buying from so you don't endanger yourself. Simply go to BBB online and you will know if you should buy from a particular company.

Always remember that while we want to reduce costs we also want to avoid risks. If you verify whom you buy from you'll save much while getting the best.

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