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.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!