Health Care Insurance -- 7 Ways To Reduce Cost

Do you want cheap rates for the right coverage? Then read through and apply the following well-proven tips for getting better rates...

1. Overweight people pay far more expensive rates than those with normal weights. An insured's Body Mass Index (BMI) is an important factor that affects how much an individual pays as rate.

A high Body Mass Index will always get an expensive premium all other things being equal. Your weight is too much for your height and sex if your BMI is high. Now don't postpone it for when you can lose thirty pounds because dropping as little as five pounds can reduce your BMI rating which leads to lower rates.

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2. The use of tobacco in any form will add to your rates. For example, you'll attract a more expensive rate if you chew or snuff tobacco.

So for your health and lower rates, quit using any tobacco product.

3. A poor driving record can make you pay higher health insurance rates. If you have many speeding tickets or a record of street racing you will pay much more. The simple reason is that if you're such a driver, you'll most likely need medical attention for crash related injuries than a very careful driver.

You'll reduce your costs if you develop a the right attitude behind wheels. If you drive a sports car or super bike, you will likely pay much more for health insurance. This is because they are more likely to cause you injuries because they have a higher risk of accidents.

4. An inexpensive premium is good but be certain that you don't become blinded by making it the only factor. You should be wary of a very low quote that does not give you a good value to price ratio. Based on a number of factors, you can get very cheap quotes that include the quality you want if you shop right. But in cases where you don't see the right value at the cheapest rate, you will be making the right decision if you spend more to be certain you really get the quality of plan that you really need.

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5. Opting for catastrophic health insurance policies will help you save substantially in health insurance and is your best bet if you are rarely sick. This type of policy is useful for you if you suddenly fall sick or get involved in an accident.

The good thing about this policy is usually appreciated in cases where the illness or accident results in very high medical bills that would otherwise destroy most people's life savings. They can be bought at very inexpensive rates.

Nevertheless, bear in mind that the deductibles are as high as $2,000. Be that as it may, you'll be glad to contribute that little if your medical bills run up to $50,000 which is where this policy really excels.

6. There is a special type of savings account called the Flexible Spending Account. It is a type of savings account where you can put tax-free dollars for your health care needs. Any amount unused could be rolled over into the subsequent year (still tax free). You can build a big reserve of funds for your health needs tax-free if you have a Flexible Spending Account.

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7. If you're a drinker your rates will be higher than a another profile that isn't a drinker. Drinkers pay more for health insurance.

You are aware that many health conditions can be traced to heavy drinking.

What quantity of alcohol would be harmful to you as a person? I cannot really say as there are people who can drink a bottle and still maintain their cool while some will take just half a glass and then go bersek.

What I do know is that avoiding drinking totally is very safe. So you can reduce your rates (Apart from reducing the likelihood of developing certain health conditions) by staying away from alcohol if you can or drinking responsibly if you can't.

It's just that for most people drinking responsibly is even more difficult than quitting. You can get help if you really want to quit drinking.
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