Low Cost Individual Health Insurance -- Ways To Attract It

To what extent have you gone in taking steps to get very affordable individual health insurance rates? Did you simply stop at the few tips you learnt years ago? Won't you like to get more tips if that will imply saving even much more? Then see if you've made use of the following...

1. You will save by having your kids insured through state plans. There are conditions that must be met before you are considered qualified for such.

But check if you are qualified as this will cost you nothing or close to nothing in most cases. If you have a kid with a special health condition, you will spend less if you insure such a kid through a state plan.

2. Although a good number of people know that smoking adds to 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 instance will cost you in higher rates.

Steering off all tobacco products will attract less expense in health insurance.

3. Take advantage of free clinics if you intend to reduce your spend. You will either lower your premium directly or have fewer and lower co-payments to make this way. These free clinics will cater for simple things like giving you medical advice, blood pressure checks and much more. These clinics could be operated by a community or rendered as community service by an organization.

4. Shed excess weight and your individual health insurance premium will reduce. There's something called Body Mass Index (BMI). It is used to determine a prospect's rates.

A high Body Mass Index will always get a high premium all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. Now do not wait until when you can lose 30 pounds because losing as little as 5 pounds can reduce your Body Mass Index rating which leads to more affordable rates.

5. Buying your prescriptions online is a proven way to bring down your health care costs. You can as well get lower prices if you buy by phone. Companies who sell online have lower overheads than brick and mortar businesses and this means that they can and (do sell) at cheaper prices. But to ensure you are buying from the right company, check. It is quite easy to verify by using a resource like BBB.

While we want to reduce our health care costs we also have to make sure we safeguard our health. If you verify whom you buy from you will save much while getting the best.

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