Low Cost Individual Medical Insurance – Recommendations For Lower Quotes

Seventeen percent of all Americans don’t have any form of health insurance. This is culled from a report by the U.S Census Bureau. Besides, a good number of people who have any kind of coverage are able to afford it only because of group health plans.

This, however, may soon change as many businesses might soon remove group health insurance from their employment allowance because they are becoming quite tasking on their businesses. The rising cost of health care is the reason for this situation.

This implies that for most individuals to have any kind of health insurance, they would have to fend for themselves. And since it will really cost a lot more to have individual health insurance, savings tips on health insurance would be seriously appreciated.. It is my hope that this write -up will teach you proven saving tips on health insurance…

1. Smokers attract individual health insurance rates that are double or more that of individuals who do not smoke. It’s not disputable that smoking is the leading cause of cancer and other deadly diseases.

If smoking causes certain health problems, then it makes a person a high risk and that attracts higher rates. If you can stop smoking you’ll get rates that are dramatically more affordable when you reapply after 12 months.

2. Shed excess weight and your rates will drop. An insured’s Body Mass Index (BMI) is a strong factor that determines what a person pays as rate.

A high BMI will always attract a high rate all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. And do not think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates once it reduces your BMI rating.

3. It is now clearly understood that smoking causes higher rates. What many might not understand is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

Therefore, for your health and less expensive individual health insurance rates, quit using any tobacco product.

4. Take it or not, your driving culture can affect your health insurance rates negatively. If you have many charges on rough driving or a history of street racing you’ll spend much more. The simple reason is that if you are such a driver, you will more probably require medical attention for injuries than a very careful driver.

Improving your driving history and developing a good driving culture will reduce your rates. If you drive a sports car or power bike, you’ll likely pay much more for health insurance. The higher likelihood of a crash means you could be injured and have to make a claim.
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