Healthcare Insurance -- Seven Tips To Bring Down Cost

Are you interested in proven steps to enjoy inexpensive rates for coverage that won't cause you heartache down the road? If so, the following tips will go a long way in helping you achieve just that...

1. People with excess weight attract far more expensive rates than those with normal weights. An insured's Body Mass Index (BMI) is an important factor that determines what an individual pays as rate.

If your BMI rating is high, your premium will be high. If your BMI rating is high it shows that your weight is too much for your height. Do your best to shed excess weight because losing even a few pounds could put you in another Body Mass Index rating which means more affordable premiums.

Insurance Quote

2. Notwithstanding the fact that many individuals know that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

So, you'll help yourself get less expensive rates if you avoid tobacco use in any form.

3. A bad driving history can make you pay expensive health insurance rates. Being found guilty of traffic offences is not just bad for your car insurance rate it also affects your health insurance premium. An individual who drives recklessly might make a claim soon as they're more likely to need medical attention.

Therefore, driving better doesn't only save you much in your auto insurance, it also gives you cheap rates in health insurance. If you use a fast muscle car or super bike, you'll likely pay a huge sum for health insurance. The simple reason remains that you raise the chances that you will make claims soon.

4. Don't let yourself become carried away by the cheapest price as you shop for low cost health insurance. What you need isn't necessarily the cheapest quote but the quote that represents the best price to value ratio. If the cheapest price has all that is of value to you, then go for it. But in cases where you don't find the right value at the cheapest rate, you'll be making the right choice if you pay more to make sure you truly have the quality of coverage that is right for you.

Health Insurance Quotes

5. Purchase catastrophic health insurance rather than the traditional policy if you hardly fall sick and you'll get more affordable rates. For folks who do not know what it is, it's a type of plan that caters for you if you fall sick suddenly or get involved in an accident.

The best part of this policy is usually appreciated in situations where the illness or accident makes the patient incur very high medical bills that would otherwise wipe out most people's life savings. The name surely does give an idea of what it protects against. Catastrophic health insurance rates are normally very low.

What are normally high are the deductibles which can be as high as $2,000. However, bearing in mind that you are protecting yourself from accidents or diseases that could make you spend tens of thousands of dollars such deductibles are not really that much -- Relatively.

6. A Flexible Spending Account is helpful as you look for ways to save. It's a kind of savings account where you can save tax-free dollars for your health needs. Any money not used could be rolled over into the next year (still tax free). You can build a considerable reserve of funds for your health needs tax-free if you have a Flexible Spending Account.

Health Insurance Quotes

7. You can lower your rates by staying away from alcoholic beverages. Drinking adds to your health risk.

Many health conditions are made more likely by taking alcohol.

What quantity of alcohol would be harmful to you as an individual? I can't really say as there are people who can drink a bottle and still maintain their cool while some will drink just half a glass and things start going wrong.

But here is what I am sure of: Quitting alcohol in its totality will do you a world of good. For those who can't abstain totally, try to drink responsibly.

It's just that for most people drinking in moderation is even more tasking than total abstinence. There are groups that are out to help alcoholics quit drinking. Just search for them.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!