Cheaper Individual Health Care Insurance - Advice For Lower Rates

You will be amazed to learn that close to 20% of all American don't have health insurance of any sort. This is what the American Census Bureau says. Moreover, a a lot of individuals who have any form of coverage are able to pay for it only because of group health plans.

This poses a serious issue as this means that a larger number of Americans would not have health due to the withdrawal of group health insurance by many employers. Health care cost is rising and a few of them can really remain profitable with such additional financial strain.

This means that for most people to have any type of health insurance, they would have to provide for themselves. The necessity, therefore, of discovering ways to get more affordable health insurance premiums can't be stressed enough. I will reveal some ways that will guarantee you bring down your health insurance premium...

1. Smokers pay individual health insurance rates that are twice or more that of persons who don't smoke. It is a sure fact that smokers are prone to many health conditions and that they don't live long.

It costs insurance carriers a lot more to provide health insurance to smokers because of their high risk. If you can stop smoking you'll get rates that are dramatically reduced when you reapply after twelve months.

2. Shed excess weight and your premium will drop. There's something known as Body Mass Index (BMI) which is used to calculate a prospect's premium.

The higher an individual's BMI rating, the more expensive their rates will be. The more overweight you are for your height and sex the higher your BMI rating will be. Do your best to shed excess weight because dropping just a few pounds could give you another Body Mass Index rating which means lower premiums.

3. Even though many people 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 example will cost you in higher premiums.

So, you'll help yourself attract cheaper individual health insurance rates if you stay away from tobacco use in any form.

4. Believe it or not, your driving culture can have a negetive effect on your health insurance rate. Being convicted of traffic violation is not only bad for your auto insurance rate it also has an effect on your health insurance premium. This is because you'll become a bigger risk to your insurer.

Therefore, driving better does not only save you much in your auto insurance, it also helps you get cheap rates in health insurance. Fast muscle cars and super bikes will raise your rates since they make you a higher risk. The higher likelihood of an accident means someone could be injured and need to make a claim.
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Affordable Individual Health Insurance -- Ensure You Read These

Are you certain you seriously want more affordable individual health insurance rates? Then you have to commit some time to learn the things you'd have to do to ensure your goal. Here are great recommendations that will help you cut down your rate by up to 50% if you use them the right way...

1. The pharmaceutical industry has big brand names. You'll increase your costs if you use big brand name drugs. But are you aware that every generic drug has the same active agents as its popular counterpart? Where they can have any dissimilarity is in the inactive agents.

This simply means that what you receive in brand name drugs is also what you get from generic drugs of similar specification. Nevertheless, consult your doctor before making this decision.

2. Electronic Funds Transfer (EFT) is a smart way to lower your individual health insurance premium. it authorizes your bank to credit your insurance provider with your premium payments automatically until you stipulate to the contrary. This removes administrative overheads like those incurred when sending payment notices. This is why this results in more affordable premium.

3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing condition that makes regular individual health insurance hard to get or more costly.

4. There is a special type of savings account known as the Flexible Spending Account. This kind of account allows you to put away tax-free dollars specifically for your health needs. You can as well roll over any amount you did not use in one year to the subsequent year tax-free. You can build a big reserve of funds for your health care needs tax-free if you have a Flexible Spending Account.

5. The greater number of individual health insurance plans give approximately two free medical check ups.

Why does this result in savings?

It it leads to considerable savings because the cost of treating health conditions in their early stages is much less than treating full blown health conditions. You save your insurer when health conditions are quickly diagnosed.

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Low Cost Individual Health Care Insurance: How To Lower Costs

There are a lot of ways to cheaper but sufficient individual health insurance cover. But while many of them might reduce your cost, they could leave you with insufficient coverage. However, in this article, I'll take you through a few proven tips for paying less and at the same time maintain adequate coverage....

1. People whose professions expose to hazards attract less affordable individual health insurance premiums. Switching to a non-hazardous profession will bring down your rate by a remarkable margin. If your occupation exposes you to hazardous chemicals, for instance, your premiums will be much more than that paid by a similar profile who probably works as a receptionist in an office.

2. The amount you're ready to contribute to payments for each visit to a doctor has a bearing on your premium. This amount which you contribute is your co-pay. Your rate will be cheaper if you opt for a higher co-pay. This is highly recommended for individuals who rarely need to visit a doctor.

3. A group plan is more affordable than an individual plan. Don't miss it if you're in an institution that gives you the opportunity to use a group plan as it naturally means that you'll pay less. This should be of particular interest to older people, smokers or obese persons who generally have to pay high quotes.

A group plan will save you a lot if you have a medical condition that makes individual health insurance either too costly or difficult to get. A group plan is a good way to lower your cost without bringing down the quality of coverage you get.

4. A cheap individual health insurance rate is is desirable, however, it's advised that you don't get blinded by making it the only factor. What you need isn't just the cheapest quote but the quote that represents the best price to value ratio. If the cheapest price offers everything that is of value to you, then go for it. But be willing to pay slightly more if necessary to buy the right coverage for you.

5. You'll pay less for health insurance if you're not rigid in your choice of health care providers. In order to land the cheapest rates you may be compelled to use doctors and hospitals that belong to a certain group or network. This may mean you'll have to part with your favorite health care provider.

If If you see this as too much a sacrifice then you can't lower your rate this way. the pros and cons.

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Low Cost Individual Health Insurance -- Steps That Will Make It Easier

How far have you gone in taking steps to get very affordable individual health insurance rates? Did you just give up after using the few tips you learnt then? Won't you like to get more tips since that will mean more massive savings? Then check if you've made use of these tips...

1. There are state plans for kids that will spend if you use them for your children. There are criteria that must be fulfilled before you are deemed qualified for such.

They will either cost you nothing or require very little payment so check to see if you're qualified. If you have a kid with a special health condition, you will spend less if you insure such a child through a state plan.

2. Despite the fact that many individuals have realized that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For instance, you will pay a more expensive rate if you chew or snuff tobacco.

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

3. Making use of free clinics will help you reduce your spend. You'll either bring down your rates directly or have fewer and reduced co-payments to make this way. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. These clinics could be run by a community or as a form of community service by an organization.

4. That extra weight is costing you a lot in health insurance. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

A high BMI will always attract a high premium all other things being equal. The more overweight you are for your height and sex the higher your BMI rating will be. Do your best to shed excess weight as dropping just a few pounds could put you in another BMI rating and result in cheaper premiums.

5. Buying your prescriptions online is a sure way to bring down your health care costs. Buying by telephone might as well get you lower prices. Drugs are cheaper online because the cost of doing business is considerably cheaper with the internet. But to ensure you are buying from a good company, check. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

This is quite very important as you won't want to endanger your health in the name of making savings.

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Cheap Individual Medical Insurance: Advice For Lower Quotes

Seventeen percent of all Americans do not have any kind of health insurance. This is culled from a report by the American Census Bureau. Besides, a a lot of those who have any type of coverage do afford it just because of group health plans.

In spite of this, the sum of Americans not having health insurance may probably grow due to the fact that most people are beginning to find it too costly to provide their staff with health care benefits. Health care cost is increasing and a few 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. This means that, it will be a welcome development for such people if they can find ways of reducing such health insurance cost by a huge margin.. It is my hope that this write -up will teach you proven ways to save on health insurance...

1. Smoking will make you pay very high individual health insurance rates. It's no longer debatable that smoking is the leading cause of cancer and other killer diseases.

If smoking causes certain health conditions, then it makes an individual a high risk and that attracts higher rates. If you can quit smoking you will get rates that are remarkably reduced when you reapply after twelve months.

2. People with excess weight pay far more expensive rates than individuals with normal weights. There is something called Body Mass Index (BMI). It is used to calculate a prospect's premium.

If your BMI rating is high, your rates will be high. You're overweight for your height and sex if your BMI is high. Do your best to shed excess weight since dropping just a few pounds could give you another BMI rating and result in lower rates.

3. It is now generally understood that smoking causes higher rates. What some might not know is that the same also applies if you use any other form of tobacco product. For instance, you'll get a more expensive premium if you chew or snuff tobacco.

Staying off all tobacco products will attract cheaper individual health insurance.

4. If you drive recklessly then be prepared to pay higher health insurance rates. Being found guilty of traffic violation isn't only bad for your car insurance rate it also affects your health insurance rates. This is because you will become a worse risk to your insurer.

Improving your driving records and developing a good driving culture will lower your premium. Fast muscle cars and super bikes will increase your premium because they make you a higher risk. The simple reason remains that you increase the probability that you'll make claims soon.
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