Affordable Individual Medical Insurance - Advice For Better Quotes

You'll be surprised to find that close to 20% of all American are without health insurance of any type. This is based on a report by the American Census Bureau. And this would have been worse but to the contrary,it was group health plans that have made health insurance cheap enough for a good portion of those who have it.

This, however, may soon history as many business owners might soon exclude group health insurance from their employment allowance because they are becoming quite tasking on their businesses. Health care cost is rising and not many of them can really remain profitable with such additional financial strain.

As a result, if most of those who currently enjoy group health plans are to continue having health insurance, then they would have to look for individual health insurance plans. And because it will really cost a lot more to buy individual health insurance, savings tips on health insurance would be seriously appreciated.. let us see standard steps to reduce your individual health insurance costs.

1. Smoking will always attract very high individual health insurance rates. Smokers are more likely to die young and are also more likely to suffer many deadly diseases.

If smoking leads to certain health problems, then it makes an individual a high risk and that calls for higher rates. If you can abstain from smoking you will get rates that are dramatically cheaper when you reapply after twelve months.

2. That extra weight will make you spend more in health insurance. There is something known as Body Mass Index (BMI). It is used to determine a prospect's premium.

If your Body Mass Index rating is high, your premium will be expensive. When your BMI rating is high it shows that your weight is too much for your height. Do your best to shed excess weight as dropping even a few pounds could give you another BMI rating and result in more affordable premiums.

3. Despite the fact that most insurance prospects know that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. People who snuff or chew tobacco will also pay higher rates than those who don't

So for your wellbeing and less expensive individual health insurance rates, stop using any tobacco product.

4. If you drive recklessly then be prepared to pay expensive health insurance rates. Speeding tickets and other traffic violations can seriously add to your health insurance premium. Any person who drives roughly might make a claim soon as they're more likely to require medical attention.

You will reduce your rates if you cultivate a better culture behind wheels. If you drive a fast muscle car or power bike, you'll likely pay much more for health insurance. The higher probability of an accident means you could be injured and require to make a claim.
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