Low Cost Individual Health Insurance -- Tips To Find It

To what extent have you gone in taking steps to get the cheapest individual health insurance rates? Have you limited yourself to one or two ideas that your friends shared with you a years ago? Won't you love to learn more if that will translate to saving even much more? I've got a few more guaranteed tips here...

1. There are state plans for little children that will save you much if you use them for your kids. There are conditions that must be met before you are deemed eligible.

They will either cost you nothing or close to that so check to see if you're qualified. These state plans for kids 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 regular health insurance.

2. It is now commonly known that smoking causes 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. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, you'll help yourself get lower rates if you stay away from tobacco use in any form.

3. You can lower your costs by using free clinics. These free clinics will cater for simple things like giving you medical advice, blood pressure checks and much more. Clinics like these are normally some form of community service.

4. People with excess weight pay far more expensive individual health insurance rates than those with normal weights. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to an insurer.

If your Body Mass Index rating is high, your premium will be high. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight since losing even a few pounds could put you in another BMI rating and result in more affordable rates.

5. It will cost you far less and reduce your rates if you buy your prescriptions over the internet. Buying by telephone will as well get you affordable prices. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. However, you'll do well to check the company you're buying from so you do not put yourself at risk. It's very easy to verify by using a resource like BBB.

Don't forget that while we want to save costs we also want to avoid risks. If you do a good check you'll save much while getting the best.

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