Low Cost Individual Health Insurance -- Suggestions For Lower Quotes

A study reveals that less than 2 out of every 10 Americans have health insurance coverage of any class. This report can be trusted because it was released from the American Census Bureau. And this could have been worse if not for group health plans that have made health insurance possible for the majority of those who have it.

This raises a big issue as this means that many Americans would not have health due to the withdrawal of group health insurance by many employers. The rising cost of health care is responsible for this situation.

The only way left for those who would want to maintain a health insurance coverage would be to get individual health insurance. And because it will naturally cost so much to have individual health insurance, savings tips on health insurance would be helpful.. It is my hope that this piece will reveal sure-fire saving tips on health insurance...

1. Smokers attract individual health insurance rates that are double or more that of individuals who don't smoke. It's not disputable that smoking is the leading cause of cancer and other terminal diseases.

If smoking causes some kinds of health problems, then it makes a person a high risk and that calls for higher rates. If you can quit smoking you will attract rates that are dramatically lower when you reapply after 12 months.

2. Lose weight and your premium will drop. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to a health insurance carrier.

The higher a person's Body Mass Index rating, the more expensive their rates will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Put more effort into shedding excess weight as dropping just a few pounds could give you another BMI rating and result in lower premiums.

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

So, you will help yourself attract cheaper individual health insurance rates if you stay away from tobacco use in any form.

4. A bad driving history can make you pay expensive health insurance rates. Being convicted of traffic offences is not only bad for your auto insurance rate it also affects your health insurance rates. The simple reason is that if you're such a driver, you'll more probably need medical attention for injuries than a very careful driver.

Improving your driving records and developing a good driving culture will lower your premium. Extra powerful automobiles like sports cars and power bikes will make you pay a more expensive health insurance premium. The higher likelihood of an accident means someone could be injured and need to make a claim.
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