Low Cost Individual Health Insurance -- Tips To Enjoy It

How well have you done in your bid to bring down your individual health insurance rate? Have you limited yourself to one or two ideas that your friends shared with you a long time ago? Are you really certain you've learnt all the steps there are to take to massive savings? Then check if you've thought of these tips...

1. There are state plans for kids that will spend if you get them for your children. However, not everyone can benefit from these plans.

These plans are often either free or require little payment. If you have a child with a special health condition, you'll spend less if you insure such a child through a state plan.

2. It is now clearly understood that smoking will attract higher individual health insurance rates. What people might not know 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 rates.

Staying clear of all tobacco products will help you get more affordable health insurance.

3. Making use of free clinics will help you bring down your cost. You'll either lower your premium directly or have fewer and reduced co-payments to make this way. You can get professional medical advice, blood pressure checks and much more at such free clinics. These clinics could be run by a community or rendered as community service by an organization.

4. People with excess weight attract far higher individual health insurance rates than individuals with normal weights. An insured's Body Mass Index (BMI) is an important factor that determines what an individual pays as rate.

The higher an individual's BMI rating, the higher their premium will be. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now don't postpone it for when you can lose thirty pounds because losing five pounds can drop you into a lower BMI rating which leads to more affordable rates.

5. You can lower your rates by buying prescriptions on the internet. You can as well get lower prices if you buy by phone. Drugs are more affordable online because the cost of running a business is remarkably lower with the internet. Howbeit, you'll do well to check the company you are buying from so you do not endanger yourself. Just go to BBB online and you will know if you should buy from a particular company.

This is quite very important as you won't want to risk your life all in the name of making savings. If you verify whom you buy from you'll save much while getting the best.

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