Health Insurance -- Seven Tips To Cut Down Cost

There are steps that will help you get massive savings without putting hurting yourself. Would you like to know them? If this describes you then go through this write-up for guaranteed tips...

1. That extra weight will make you spend more in health insurance. Your BMI or Body Mass Index is a very useful factor used to define your risk to an insurer.

The higher a prospect's Body Mass Index rating, the higher their premium will be. If your Body Mass Index rating is high it simply means that your weight is too much for your height. And don't think that you will get savings only when you lose 50 pounds, just losing a few pounds will get you lower rates provided it alters your BMI rating.

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2. Using tobacco in any form will increase your rates. Chewing or snuffing tobacco, for instance will cost you in higher rates.

Therefore, for your wellbeing and less expensive rates, quit using any tobacco product.

3. A poor driving record can make you pay expensive health insurance rates. Being convicted of traffic offences isn't just bad for your car insurance rate it also has an effect on your health insurance premium. The simple reason is that if you are such a driver, you will most likely require medical attention for crash related injuries than a very cautious driver.

Improving your driving history and developing a good driving culture will lower your premium. Super-fast automobiles like sports cars and power bikes will make you pay a higher health insurance rate. The higher likelihood of an accident means you could be injured and need to make a claim.

4. A cheap rate is is desirable but it's advised that you don't get beclouded by making it the only factor. What you want is not just the cheapest quote but that which gives you the best price to value ratio. And, shopping the right way is vital to landing the best rate to value ratio. But in cases where you don't find the right value in the lowest rate, you will be making the right choice if you spend more to ensure you truly get the type of plan that you really need.

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5. If you are the type that is hardly ever ill you will save a lot by settling for catastrophic health insurance instead. This kind of policy covers you if you suddenly fall ill or get involved in an accident.

The greatest benefit of this policy is in cases where sudden health conditions or accidents create huge bills that could at best be called catastrophic. Catastrophic health insurance premiums are usually very affordable.

However, the deductibles are normally as high as $2,000 but they are certainly worth it because you hardly get sick and are protecting yourself in case a catastrophic sickness or accident strikes.

6. If you want to save in health insurance then you have a good opportunity in a Flexible Spending Account. This type of account allows you to save tax-free dollars specifically for your health needs. You can in addition roll over any money you did not use in one year to the next tax-free. With this account you can eventually save a considerable amount to take care of your health care needs.

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7. If you're a drinker your rates will be more than a similar profile that isn't a drinker. Taking alcoholic beverages makes you a bigger liability and so increases your rates.

You are aware that many health conditions are made more likely by heavy drinking.

How much alcohol would have a negative effect on you as a person? I cannot advise you on that since I am not an expert on such issues.

What I know is the fact that quitting alcohol abuse is would help a lot. If you can't stay away totally, drink in moderation if you want to bring down your risk to insurers.

But I'm told it's harder to drink in moderation than it is to quit. Get help if you want to give up alcohol. There are organizations that help alcoholics quit drinking.
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