Low Cost Individual Health Insurance -- Tips To Attract It

How far have you gone in ensuring you attract the cheapest individual health insurance rates? Did you simply stop at the few tips you learnt years ago? Won't you like to learn more since that will mean more massive savings? Then see if you've applied these...

1. You can insure your kids through state plans if you need to lower your cost. There are conditions that must be met before you are considered qualified for such.

They'll either cost you nothing or require very little payment so check to see if you're qualified. If you have a child with a special ailment, you will spend less if you insure such a kid through a state plan.

2. Using tobacco in any form will add to your individual health insurance rates. People who snuff or chew tobacco will also attract higher rates than individuals who don't

Therefore, for your health and lower rates, quit using any tobacco product.

3. You can lower your spend by using free clinics. 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. Lose weight and your individual health insurance premium will drop. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

If your BMI rating is high, your rates will be high. If your Body Mass Index rating is high it shows that your weight is too much for your height. And don't think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it reduces your Body Mass Index rating.

5. It will cost you far less and reduce your rates if you buy your prescriptions online. You can as well get cheaper 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 cheaper prices. However, you'll do well to check the company you're buying from so you do not put yourself at risk. Organizations like BBB can tell you if a company should be trusted or not so don't fail to check.

Don't forget that while we want to save costs we also want to avoid risks.

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