Low Cost Individual Health Insurance -- Steps That Will Make It Easy

How far have you gone in ensuring you get very affordable individual health insurance rates? Did you just stop at the few tips you learnt then? Are you quite certain you've looked at all the steps there are to take to massive savings? Then see if you've applied these tips...

1. You will save by insuring your children through state plans. Howbeit, not everyone can benefit from such state plans.

They will either be totally free or close to that so check to see if you're eligible. If you have a kid with a special health condition, you'll spend less if you insure such a child through a state plan.

2. It's now commonly known 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 form of tobacco product. People who snuff or chew tobacco will also attract higher rates than individuals who don't

Therefore, for your wellbeing and less expensive rates, stop using any tobacco product.

3. You can lower your spend by using free clinics. These will either lower your co-payments or rate entirely. You can get professional medical advice, blood pressure checks and much more at such free clinics. Some communities have such clinics and others may just be part of a group's social responsibility program.

4. Lose weight and your individual health insurance premium will be lower. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

A high Body Mass Index will always result in a high premium all other things being equal. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Now don't postpone it for when you can lose 30 pounds since losing five pounds can drop you into a lower BMI rating which leads to more affordable rates.

5. Buying your prescriptions on the internet is a sure way to bring down your health care costs. You can as well get lower prices if you buy by phone. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower rates. Howbeit, you'll do well to check the company you are buying from so you do not put yourself at risk. It is very easy to do this by making use of a resource like BBB.

Always remember that while we want to reduce costs we also want to stay safe.

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