Cheap Individual Health Care Insurance: Advice For Better Quotes

17% of all Americans don't have any type of health insurance. This information can be trusted because it was released from the American Census Bureau. Besides, a a lot of individuals who have any form of coverage do pay for it only because of group health plans.

Though, the sum of Americans not having health insurance may likely rise the reason being that most businesses are finding it too burdensome to give their workers health care benefits. The rising cost of health care is the reason for this new development.

Therefore, if most people who currently enjoy group health plans are to continiously have health insurance, then they would have to buy individual health insurance plans. The benefits, therefore, of discovering ways to get cheaper health insurance premiums can't be stressed enough. I'll reveal some ways that will help you reduce your health insurance rates...

1. Smoking will make you pay very high individual health insurance rates. Smokers are more liable to die untimely and are also more likely to have many deadly diseases.

This raises their risk to a health insurance carrier and so raises their rates considerably. If you can abstain from smoking you will attract rates that are considerably lower when you reapply after 12 months.

2. People with excess weight pay far more expensive rates than people with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to an insurer.

The higher a person's BMI rating, the higher their premium will be. The more extra weight you have for your height and sex the higher your BMI rating will be. And don't think that you'll get savings only when you lose fifty pounds, just losing a few pounds will lower your rates provided it lowers your Body Mass Index rating.

3. It is now generally understood that smoking causes higher rates. What some might not know is that this is also true if you use any other form of tobacco product. For instance, you'll attract a higher premium if you chew or snuff tobacco.

Staying clear of all tobacco products will result in less expense in individual health insurance.

4. Take it or not, your driving culture can have a negetive effect on your health insurance rate. If you have many charges on rough driving or a history of street racing you'll spend much more. The simple reason is that if you're such a driver, you'll more probably need medical attention for injuries than a very careful driver.

You'll lower your rates if you develop a better culture behind wheels. If you drive a sports car or super bike, you'll likely pay a huge sum for health insurance. The higher likelihood of a crash means someone could be wounded and require to make a claim.
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