Low Cost Individual Health Insurance -- Steps That Will Guarantee It

How well have you done in your quest to reduce your individual health insurance rate? Did you simply stop at the few tips you learnt years ago? Won't you love to get more tips since that will imply saving even much more? I've got many more time-tested tips here...

1. There are state plans for little children that will save you much if you get them for your kids. There are usually criteria for eligiblity.

But check if you are eligible as this will cost you nothing or very little in most cases. These state plans for children will save you a ton of cash if you have a child with a special ailment when compared to what you would spend if you buy traditional health insurance.

2. It is now commonly understood that smoking causes higher individual health insurance rates. What many might not appreciate is that this is also true if you use any other form of tobacco product. People who snuff or chew tobacco will also pay higher rates than individuals who don't

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

3. Go for free clinics if you intend to lower your spend. You'll either lower your rates directly or have fewer and cheaper co-payments to make this way. These free clinics will take care of simple things like providing you with medical advice, blood pressure checks and much more. Some communities have such clinics and some may just be part of a group's community service.

4. Shed excess weight and your individual health insurance premium will drop. Your BMI or Body Mass Index is a very useful factor used to define your risk to a health insurance carrier.

If your Body Mass Index rating is high, your premium will be high. You're overweight for your height and sex if your BMI is high. Do your best to shed excess weight since losing even a few pounds could put you in another BMI rating which means cheaper rates.

5. You will spend far less and lower your rates if you buy your prescriptions online. You can as well get lower prices if you buy by phone. Drugs are more affordable online because the cost of doing business is remarkably cheaper with the internet. But if you've chosen to buy online do all within your power to find out a little about whom you're buying from because there are wolves on the internet. It is quite easy to be sure by checking a resource like BBB.

While we want to lower our health care costs we also have to make sure we safeguard our lives.

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