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

How far have you gone in taking steps to attract the lowest individual health insurance rates? Did you just give up after using the few recommendations you got years ago? Won't you love to learn more if that will mean saving even much more? Then check if you've applied the following...

1. You can have your children insured through state plans if you want to cut down your cost. There are conditions that must be fulfilled before you are considered qualified for such.

They will either be totally free or close to that so check to see if you are eligible. These plans can reduce your expenses by a huge margin if your child has a special ailment that will make you spend much if you insure them with traditional insurance carriers.

2. It is now commonly understood that smoking will attract higher individual health insurance rates. What some might not know is that the same also applies if you use any other form of tobacco product. Those who snuff or chew tobacco will also attract higher rates than those who don't

Therefore, you will help yourself get cheaper rates if you avoid tobacco use in any form.

3. You can lower your spend by using free clinics. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks etc. These clinics could be run by a community or rendered as community service by an organization.

4. People with excess weight pay far higher individual health insurance rates than people with normal weights. There is something known as Body Mass Index (BMI). It is used to determine a prospect's premium.

The higher a person's Body Mass Index rating, the higher their rates will be. You're overweight for your height and sex if your BMI is high. And don't think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will lower your rates provided it reduces your Body Mass Index rating.

5. Buying your prescriptions on the internet is a proven way to bring down your health care costs. Buying by telephone will also give you affordable prices. Companies who sell online have lower costs than brick and mortar businesses and this means that they can and (do sell) at cheaper prices. But if you've chosen to buy online try to find out a little about whom you are buying from because there are wolves on the internet. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

While we want to lower our health care costs we also need to ensure that we safeguard our health.

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