Affordable Individual Health Insurance -- Be Sure To Read These Tips

Do you want cheaper individual health insurance rates? If your answer is "Yes" you must do everything within your ability to discover as many steps as there are to cheaper rates. I've got enough tips to help the greater majority save over 50% on insurance...

1. There are popular brands in the pharmaceutical niche. If you buy name brand drugs, your cost will go up. But did you know that all generic drugs are expected by law to include the exact same percentage of active ingredients as brand name drugs? Where the dissimilarities begin and end are in their choice of inactive ingredients.

The truth remains that you only pay more when you buy an established brand name drug and do NOT enjoy anything more in value. Ask your doctor about this.

2. You'll attract lower individual health insurance rates if you make your payments by Electronic Funds Transfer (EFT). This authorizes an insurer to automatically withdraw your premiums from your account when due. This brings down administrative costs like those incurred when sending payment notices. Your rate is therefore brought down in line with the cheaper cost of providing insurance to you.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for cheap coverage if you have a pre-existing illness that makes standard individual health insurance difficult or too expensive.

4. A Flexible Spending Account helps you in your quest to make massive savings. You can put away tax-free dollars to take care of your health needs. The good point about this account is that it permits you to carry over unused funds into the subsequent year tax free. With this you can eventually build up a substantial amount to take care of your health needs.

5. Most individual health insurance plans give about two complimentary medical check ups.

Why does this bring about savings?

Treating a disease at its early stage is much more cheaper than doing so when it's already full-blown. Your health insurance provider in return gives you lower rates over time because you take active steps to reduce their risk.

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