Health Insurance -- 7 Tips To Cut Down Cost

Are you interested in proven steps to enjoy cheap rates for coverage that won't cause you heartache down the road? Then read through and apply these well-proven tips for paying a lot less...

1. Overweight people attract far higher rates than those with normal weights. There's something called Body Mass Index (BMI) which is used to determine a prospect's premium.

If your BMI rating is high, your rates will be high. If your BMI rating is high it shows that your weight is too much for your height. And do not think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it reduces your BMI rating.

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2. Even though a good number of people know that smoking increases their rates, they may not know that this also applies if they use other tobacco products. People who snuff or chew tobacco will also attract higher rates than individuals who don't

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

3. If you drive recklessly then be prepared to pay expensive health insurance rates. Being found guilty of traffic offences isn't just bad for your car insurance rate it also affects your health insurance rates. This is because you will make yourself a worse risk to your insurer.

Improving your driving history and developing a good driving habit will reduce your premium. If you drive a sports car or super bike, you will likely pay much more for health insurance. This is because they will more easily cause you injuries because they have a higher risk of accidents.

4. Don't let yourself become carried away by the lowest rate as you shop for affordable health insurance. What you should be after isn't just the lowest quote but that which gives you the best value for its price. If the cheapest quote offers all that is of value to you, then go for it. Nevertheless, if you are asked to pay slightly more for adequate coverage, then do just that.

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5. Buy catastrophic health insurance instead of a regular plan if you rarely fall take ill and you'll get cheaper rates. For those who might not know what it is, it's a type of policy that caters for you if you fall ill suddenly or are involved in an accident.

The most outstanding advantage of this policy is where sudden health conditions or accidents give rise to huge bills that could at best be described as catastrophic. The name really does offer a clue of what it provides coverage against. They can be bought at very affordable rates.

What are usually high are the deductibles which can be as much as $2,000. However, if you take into consideration the fact that you are protecting yourself from accidents or diseases that could cost tens of thousands of dollars such deductibles are not really that high -- Relatively.

6. A Flexible Spending Account is invaluable in your quest to save. It is a kind of savings account where you can put tax-free dollars for your health needs. You can as well roll over any money you did not use in one year to the subsequent year tax-free. With this you can actually save a substantial amount to meet your health care needs.

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7. You can reduce your rates by not drinking alcoholic beverages. Heavy drinking makes you a bigger liability and therefore gets you higher rates.

Drinking is the source of many health conditions and that is apart from the fact that it definitely will add to your risk to health insurance companies.

How much alcohol would be harmful to you as a person? Sincerely, I don't know.

What I do know is that avoiding alcoholic beverages totally is isn't harmful to anyone. If you can't stay away totally, drink in moderation if you want to reduce your risk to insurers.

The only problem is that those who say they can't quit drinking most often can't drink in moderation. There are organizations that are out to help heavy drinkers to stay away from drinking. Simply ask about them.
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