Low Cost Individual Health Insurance - Tips For Lower Rates

A report proves that not up to 2 out of every 10 Americans have health insurance coverage of any kind. This report can be trusted because it was issued from the American Census Bureau. And this could have been worse but to the contrary,it was group health plans that have made health insurance possible for a high pecentage of those who have it.

In spite of this, the number of Americans without health insurance may probably rise the reason being that most people are beginning to find it too burdensome to give their workers health care benefits. This is partly due to the rising cost of health care.

The only option for those who would want to maintain a health insurance coverage is to get individual health insurance. This means that, it will be a welcome development for such individuals if they can find ways of lowering such health insurance cost by a huge margin.. I will share a number of ways that will help you reduce your health insurance rates...

1. Smokers have individual health insurance rates that are double or more that of people who do not smoke. It is a well known truth that smokers are liable to many health conditions and that they also die young.

This increases their risk to an insurance company and therefore raises their rates by a huge margin. Once you stop smoking for up to twelve months tell your current insurer or reapply to another insurer and you will see a dramatic reduction in your premium.

2. Shed excess weight and your rates will reduce. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

The higher a person's BMI rating, the higher their premium will be. When your Body Mass Index rating is high it shows that your weight is too much for your height. And don't think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will lower your rates provided it lowers your BMI rating.

3. The use of tobacco in any form will increase your rates. People who snuff or chew tobacco will also get higher rates than individuals who don't

Steering clear of all tobacco products will result in cheaper individual health insurance.

4. If you drive recklessly then expect to pay expensive health insurance rates. Speeding tickets and other traffic offences can seriously increase your health insurance premium. The simple reason is that if you are such a driver, you will most likely need medical attention for injuries than a very cautious driver.

Hence, good driving doesn't only save you much in your auto insurance, it also helps you get lower rates in health insurance. Fast muscle cars and power bikes will increase your rates since they make you a higher risk. This is because they are more likely to cause you injuries due to their higher risk of accidents.
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