Low Cost Individual Health Insurance -- Tips That Will Make It More Likely

How well have you done in your bid to bring down your individual health insurance rate? Did you just give up after using the few recommendations you got then? Are you quite sure you've exhausted all the ways there are to save considerably? Then check if you've made use of these tips...

1. There are state plans for kids that will save you much if you use them for your kids. Nevertheless, not everyone can benefit from these plans.

They'll either be totally free or require very little payment so check to see if you're eligible. These state plans for children will save you a ton of cash if you have a child with a special health condition when compared to what you'd pay if you buy regular health insurance.

2. It's now commonly known that smoking will attract higher individual health insurance rates. What people might not appreciate is that the same also applies if you use any other form of tobacco product. For instance, you'll pay a higher rate if you chew or snuff tobacco.

So for your wellbeing and cheaper rates, stop using any tobacco product.

3. Go for free clinics if you want to lower your cost. You will either reduce your premium directly or have fewer and cheaper co-payments to make this way. You can get professional medical advice, blood pressure checks and much more at such free clinics. Some communities have such facilities and others may just be part of a group's social responsibility program.

4. Lose weight and your individual health insurance premium will drop. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to a health insurance carrier.

A high BMI will always attract an expensive premium all other things being equal. You're overweight for your height and sex if your BMI is high. Now don't wait until when you can lose 30 pounds because dropping 5 pounds can drop you into a lower Body Mass Index rating which will result in lower rates.

5. You will spend far less and reduce your rates if you buy your prescriptions over the internet. You can also be given affordable prices if you buy by phone. Companies who sell through the internet have lower overheads than brick and mortar businesses and this implies that they can and (do sell) at lower prices. But if you've chosen to buy online try to find out a little about whom you are buying from because there are wolves online. Just go to BBB online and you'll know if you should buy from a specific company.

Always remember that while we want to reduce costs we also want to stay safe.

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