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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