Low Cost Individual Health Insurance -- Things That Will Make It Easier

Have you succeeded in your bid to bring down your individual health insurance rate? Have you restricted yourself to one or two ideas that your friends shared with you a long time ago? Are you quite sure you've looked at all the ways there are to save considerably? Then see if you've thought of the following...

1. You can have your children insured through state plans if you need to lower your spend. There are criteria that must be fulfilled before you are considered qualified for such.

These plans are usually either free or cost very little. These plans can save you a lot if your child has a special ailment that will make you spend much if you insure them with traditional insurance carriers.

2. Despite the fact that most insurance prospects know that smoking increases their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. For example, you will pay a more expensive premium if you chew or snuff tobacco.

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

3. Go for free clinics if you intend to lower your cost. These free clinics will cater for simple things like providing you with medical advice, blood pressure checks etc. These clinics could be run by a community or as a form of community service by an organization.

4. That excess weight will make you spend a lot in health insurance. An insured's Body Mass Index (BMI) is a strong factor that affects what an individual pays as rate.

The higher a person's Body Mass Index rating, the more expensive their rates will be. The more overweight you are for your height and sex the higher your BMI rating will be. Put more effort into shedding excess weight as dropping just a few pounds could put you in another Body Mass Index rating which means cheaper premiums.

5. You can reduce your costs by buying prescriptions on the internet. You can also be given affordable prices if you buy by phone. Companies who sell online have lower overheads than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But to ensure you're buying from the right company, check. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

While we want to reduce our health care costs we also need to ensure that we safeguard our health.

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