Cheap Individual Medical Insurance - Suggestions For Better Rates

17% of the American population doesn't have any form of health insurance. This is culled from a report by the American Census Bureau. It is important to note that group health plans are the reason why the majority of these few who have health insurance can afford it.

Though, the number of Americans without health insurance may probably multiply because most businesses are finding it too costly to give their staff health care benefits. This development is a fall-out of the rising cost of health care.

The only way left for those who would like to maintain a health insurance coverage would be to buy individual health insurance. And, it will be a welcome development for such individuals if they can learn ways of bringing down such health insurance cost considerably.. I'll share a number of ways that will guarantee you bring down your health insurance premium...

1. Smoking will always attract expensive individual health insurance rates. It is a well known truth that smokers are susceptible to various health conditions and that they don't live long.

This multiplies their risk to a health insurance carrier and so raises their rates considerably. If you can stop smoking you will attract rates that are dramatically reduced when you reapply after twelve months.

2. That extra weight is costing you more in health insurance. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to a health insurance carrier.

If your Body Mass Index rating is high, your premium will be high. You're overweight for your height and sex if your Body Mass Index is high. And do not think that you will get savings only when you lose fifty pounds, just losing a few pounds will lower your rates once it alters your Body Mass Index rating.

3. Using tobacco in any form will add to your rates. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Staying off all tobacco products will help you get more affordable individual health insurance.

4. Believe it or not, the way you drive can affect your health insurance rates negatively. If you have many speeding tickets or a history of street racing you'll spend much more. An individual who drives recklessly might make a claim soon as they are more likely to require medical attention.

Improving your driving records and developing a good driving habit will lower your rates. Super-fast automobiles like fast muscle cars and super bikes will make you pay a higher health insurance premium. This is because they will more easily make you need medical attention because they have a higher risk of accidents.
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