Affordable Individual Medical Insurance: Suggestions For Better Rates

You'll be surprised to know that close to 20 percent of all American are without health insurance of any kind. This is what the American Census Bureau says. It is important to point out that group health plans are the reason why a high pecentage of these few who have health insurance can pay for it.

Though, the sum of Americans without health insurance may likely grow due to the fact that most people are beginning to find it too tasking to provide their employees with health care benefits. This is partly because of the rising cost of health care.

Consequently, if most people who currently enjoy group health plans are to continue having health insurance, then they'd have to buy individual health insurance plans. And because it will naturally cost a lot more to get individual health insurance, steps to savings on health insurance would be seriously appreciated.. Let's see standard steps to bring down your individual health insurance costs.

1. Say 'No'to smoking if you plan to get more affordable individual health insurance. Smokers are more likely to die young and are also more likely to have many harmful diseases.

This increases their risk to a health insurance carrier and so increases their rates by a huge margin. Once you stop smoking for about twelve months inform your current insurer or reapply to another insurer and you'll see a dramatic reduction in your rates.

2. People with excess weight pay far more expensive rates than people with normal weights. There's something called Body Mass Index (BMI). It is used to calculate a prospect's rates.

The higher an individual's BMI rating, the more expensive their rates will be. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Put more effort into shedding excess weight since losing as little as a few pounds could give you another Body Mass Index rating and result in cheaper premiums.

3. Notwithstanding the fact that many people are aware that smoking increases their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

So for your health and less expensive individual health insurance rates, quit using any tobacco product.

4. Believe it or not, the way you drive can affect your health insurance rates negatively. Being found guilty of traffic violation is not only bad for your auto insurance rate it also affects your health insurance rates. An individual who drives roughly might make a claim soon as they're more likely to require medical attention.

Therefore, good driving doesn't only help your auto insurance, it also gives you cheap rates in health insurance. If you drive a fast muscle car or super bike, you'll likely pay much more for health insurance. The higher likelihood of an accident means you could be wounded and need to make a claim.
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