Cheaper Individual Health Care Insurance -- Suggestions For Lower Quotes

You will be surprised to learn that almost 20% of all U.S citizens are without health insurance of any type. This is culled from a report by the American Census Bureau. Besides, a good number of those who have any kind of coverage do pay for it just because of group health plans.

This, however, may soon be a thing of the past as many employers might soon exclude group health insurance from their employment allowance as they've become quite tasking on their businesses. This situation is because of the rising cost of health care.

This means that for most persons to have any kind of health insurance, they would have to provide for themselves. This means that, it will be an advantage for such people if they can learn ways of reducing such health insurance cost considerably.. Let's see standard steps to bring down your individual health insurance rate.

1. Smokers get individual health insurance rates that are double or more that of people who do not smoke. It's not disputable that smoking is the topmost cause of cancer and other killer diseases.

It costs health insurance companies much more to provide health insurance to smokers because of their high risk. Once you stop smoking for about 12 months tell your present insurer or reapply to another insurer and you'll experience a considerable drop in your premium.

2. Overweight people attract far higher rates than those with normal weights. There is something known as Body Mass Index (BMI). It is used to determine a prospect's rates.

The higher an individual's Body Mass Index rating, the more expensive their premium will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. And do not think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will lower your rates provided it alters your Body Mass Index rating.

3. Using tobacco in any form will increase your rates. For instance, you'll attract a more expensive premium if you chew or snuff tobacco.

So, you'll help yourself get less expensive individual health insurance rates if you avoid tobacco use in any form.

4. Believe it or not, your driving culture can have a negetive effect on your health insurance rate. Rough driving charges and other traffic violations can effectively increase your health insurance premium. An individual who drives recklessly might make a claim shortly as they're more likely to require medical attention.

You will lower your rates if you cultivate a the right attitude behind wheels. Fast muscle cars and super bikes will raise your rates because they make you a bad risk. This is because they will more easily make you need medical attention due to their higher risk of accidents.
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