Low Cost Individual Health Insurance -- Ways To Find It

How far have you gone in taking steps to attract the cheapest individual health insurance rates? Did you simply give up after using the few recommendations you got then? Are you really sure you've looked at all the ways there are to save considerably? I've got a few more proven tips here...

1. You can insure your children through state plans if you want to lower your cost. There are conditions that must be met before you are deemed eligible.

These plans are usually either free or almost free. If you have a kid with a special health condition, you will spend less if you insure such a child through a state plan.

2. Notwithstanding 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. Chewing or snuffing tobacco, for example will cost you in higher rates.

Steering clear of all tobacco products will help you get cheaper health insurance.

3. Go for free clinics if you intend to reduce your spend. You'll either bring down your rates directly or have fewer and reduced co-payments to make this way. These free clinics will take care of simple things like giving you medical advice, blood pressure checks and much more. Clinics like these are normally some form of community service.

4. That excess weight is costing you more in health insurance. Your BMI or Body Mass Index is a very useful factor used to define your risk to a health insurance carrier.

The higher a person's BMI rating, the higher their rates will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight since losing just a few pounds could give you another Body Mass Index rating and result in more affordable rates.

5. You can reduce your rates by buying prescriptions online. Buying by telephone will also give you lower prices. Companies who sell online have lower overheads than brick and mortar businesses and this implies that they can and (do sell) at cheaper prices. But to ensure you're buying from a good company, check. It's quite easy to be sure by making use of a resource like BBB.

While we want to reduce our health care spend we also need to ensure that we safeguard our lives. If you verify whom you buy from you will save much while getting the best.

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