Cheap Individual Health Insurance - Recommendations For Better Rates

You'll be amazed to find that close to twenty percent of all American are without health insurance of any kind. This report can be relieable because it is from the American Census Bureau. And this could have been worse if not for group health plans that have made health insurance possible for a high pecentage of those who have it.

In spite of this, the sum of Americans without health insurance may likely rise because most people are beginning to find it too tasking to provide their employees with health care benefits. This development is a fall-out of the rising cost of health care.

Consequently, if most of those who currently enjoy group health plans are to continiously have health insurance, then they'd have to buy individual health insurance plans. And because it will really cost so much to have individual health insurance, savings tips on health insurance would be helpful.. I'll reveal some ways that will guarantee you bring down your health insurance premium...

1. Smokers have individual health insurance rates that are double or more that of individuals who don't smoke. It's a well known truth that smokers are susceptible to many health conditions and that they also die young.

It costs insurance companies much more to give health insurance to smokers due to the bad risk they are to them. Once you quit smoking for about twelve months tell your present insurer or reapply to some other insurer and you'll see a dramatic slash in your rates.

2. Shed excess weight and your rates will be lower. Your BMI or Body Mass Index is a very important factor used to define your risk to a health insurance carrier.

A high BMI will always attract an expensive premium all other things being equal. If your Body Mass Index rating is high it shows that your weight is too much for your height. Now do not wait until when you can lose 30 pounds since dropping five pounds can drop you into a lower Body Mass Index rating which will result in lower rates.

3. It's now generally known that smoking causes higher rates. What many might not appreciate is that this is also true if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

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

4. Believe it or not, your driving culture can affect your health insurance rates negatively. If you have many charges on rough driving or a record of street racing you'll pay much more. This is because you'll make yourself a greater risk to your health insurance provider.

You'll reduce your costs if you develop a the right attitude behind wheels. Extra powerful automobiles like sports cars and power bikes will attract a higher health insurance rate. This is because they will more easily cause you injuries because they have a higher risk of accidents.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!