Health Care Insurance -- 7 Ways To Bring Down Cost

There are steps that will help you get serious savings without putting yourself at risk. Would you like to learn more about them? Then read through and use the following highly effective steps to getting better rates...

1. Shed excess weight and your premium will reduce. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to a health insurance carrier.

The higher a prospect's Body Mass Index rating, the higher their rates will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Now do not wait until when you can lose thirty pounds because shedding 5 pounds can drop you into a lower Body Mass Index rating which will result in lower rates.

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2. It is now commonly understood that smoking causes higher rates. What people might not appreciate is that this is also true if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

Steering clear of all tobacco products will help you get more affordable health insurance.

3. A poor driving history can make you pay higher health insurance rates. Being convicted of traffic offences is not just bad for your car insurance rate it also affects your health insurance premium. The simple reason is that if you are such a driver, you will more probably require medical attention for injuries than a very cautious driver.

Therefore, good driving doesn't only help your auto insurance, it also gives you lower rates in health insurance. Extra powerful automobiles like sports cars and power bikes will attract a more expensive health insurance rate. This is because they will more easily make you need medical attention because they have a higher risk of accidents.

4. While looking for affordable health insurance make sure that you don't get carried away by just the cheapest rate. You need to focus on getting a cheap rate that also gives you adequate coverage. And, shopping right is crucial to landing the best rate to value ratio. But be prepared to pay slightly more if need be to get adequate coverage.

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5. Opting for catastrophic health insurance plans will help you make considerable savings in health insurance and is recommended if you are rarely sick. You are given coverage for those ailments or medical needs that may come up suddenly.

The good thing about this policy is usually appreciated in cases where an ailment or accident makes the patient incur very exorbitant medical bills that would otherwise wipe out most people's life savings. The name surely does offer a clue of what it protects against. Catastrophic health insurance premiums are normally very affordable.

However, the deductibles are generally as much as $2,000 but they are definitely worth it because you rarely get sick and are protecting yourself in case a catastrophic illness or accident befalls you.

6. A Flexible Spending Account helps you as you look for ways to make massive savings. You can save tax-free dollars to take care of your health needs. Any money unused could be rolled over into the subsequent year (still tax free). With this account you can actually have a considerable amount to take care of your health needs.

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7. You can lower your rates by avoiding alcoholic beverages. Drinkers pay more for health insurance.

Drinking is the source of many ailments and that is apart from the fact that it definitely will increase your risk to health insurance carriers.

What quantity of alcohol would be harmful to you as an individual? Sincerely, I can't say.

But here is what I am sure of: Staying away from alcohol in its totality will do you a world of good. If you cannot stay away totally, drink responsibly if you want to reduce your risk to insurers.

The only problem is that people who say they can't quit drinking most often cannot drink in moderation. Get help if you want to stop drinking alcohol. There are groups that help alcoholics quit drinking.
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