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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