Affordable Individual Health Insurance -- Be Sure To Study This

Are you sure you seriously want lower individual health insurance rates? If answered "Yes" you must do all within your power to learn as many ways as there are to cheaper rates. I've provided enough ideas to help most people save more than 50% on insurance...

1. There are drugs that are big brand names. Medication that have such brand names cost a lot more than comparable drugs and so raise what you spend. Just in case you don't know, the law demands that every drug must consist of the same active elements irrespective of if they are popular names or generic. Where they are free to have any difference is in the inactive ingredients.

This simply suggests that what you get from brand name drugs is the same thing you get from generic drugs of the same specification. Ask your doctor before doing this.

2. Electronic Funds Transfer, known as EFT is a painless way to bring down your individual health insurance rate. it authorizes your bank to credit your insurance provider with your premium payments without any intervention from you until you advise otherwise. This saves the insurance company in many ways such as eliminating the cost of sending payment notices and the expense of processing checks. The insurance carrier gives you part of what they save by reducing your rates.

3. If in your case it's tough to get private health insurance provider because of a pre-existing ailment you can apply for COBRA insurance. By the way COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. A Flexible Spending Account is helpful as you search for opportunities to save. It is a kind of savings account where you can put tax-free dollars for your health needs. The good thing about this account is that it permits you to roll over the money unused into the next year tax free. This gives you a tax free way of building large reserves of funds for your health needs.

5. Your individual health insurance plan may already offer you up to two free visits to a doctor for medical check ups.

In case you want to know why this results in more affordable rates, here it is...

Since health conditions are diagnosed at their mild stages by doing such check ups, they are more easily treated without spending much. This means that your health insurance provider will spend less to treat you if diseases are spotted early.

So they give you cheaper individual health insurance rates for reducing the cost for your treatment.

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