Cheap Individual Health Insurance: Advice For Lower Rates

You will be surprised to find that close to twenty percent of all U.S citizens are without health insurance of any kind. This is what the U.S Census Bureau reports. Moreover, a a lot of those who have any type of coverage do afford it just because of group health plans.

This, however, may soon be a thing of the past as many business owners might soon remove group health insurance from their employment allowance since they've become quite tasking on their businesses. This situation is a fall-out of the rising cost of health care.

This suggests that for most persons to have any form of health insurance, they'd have to provide for themselves. And, it will be an advantage for such individuals if they can learn ways of reducing such health insurance cost remarkably.. I'll share some ways that will guarantee you reduce your health insurance rates...

1. Abstain from smoking if you desire cheaper individual health insurance. It is no longer a hidden fact that smoking is the topmost cause of cancer and other terminal diseases.

It costs health insurance companies much more to provide health insurance to smokers because of the bad risk they are to them. It's up to you to stop smoking and then re-apply after twelve months if your desire is to see your rates reduced by up to 50 percent.

2. That extra weight will make you spend more in health insurance. There is something known as Body Mass Index (BMI) which is used to calculate a prospect's rates.

If your BMI rating is high, your rates will be high. 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 losing a few pounds will get you lower rates once it reduces your BMI rating.

3. It is now commonly known that smoking will attract higher rates. What many might not understand is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, for your health and cheaper individual health insurance rates, stop using any tobacco product.

4. A bad driving history can make you pay higher health insurance rates. If you have many speeding tickets or a history of street racing you'll spend much more. The simple reason is that if you're such a driver, you will more probably need medical attention for injuries than a very careful driver.

Improving your driving history and developing a good driving habit will lower your rates. If you drive a fast muscle car or super bike, you'll likely pay a huge sum for health insurance. The higher likelihood of a crash means you could be wounded and need to make a claim.
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