Affordable Individual Health Insurance - Tips For Lower Rates

Seventeen percent of all Americans don't have any form of health insurance. This information can be relieable because it is from the U.S Census Bureau. Furthermore, a good number of people who have any kind of coverage can afford it only because of group health plans.

This, regrettably, may soon history as many employers might soon exclude group health insurance from their employment allowance as they've become quite a strain on their businesses. The rising cost of health care is the reason for this new development.

The only way left for those who would like to have a health insurance coverage would be to buy individual health insurance. This means that, it will be a welcome development for such individuals if they can learn ways of bringing down such health insurance cost by a huge margin.. It is my hope that this article will reveal time-tested saving tips on health insurance...

1. Smoking will cost you expensive individual health insurance rates. Smokers are more prone to die untimely and are also more likely to have many deadly diseases.

It costs health insurance companies a lot more to provide health insurance to smokers on account of the bad risk they are to them. If you can stop smoking you'll get rates that are considerably lower when you reapply after twelve months.

2. Overweight people attract far higher rates than people with normal weights. An insured's Body Mass Index (BMI) is a strong factor that determines what an individual pays as rate.

A high BMI will always get a high rate all other things being equal. Your weight is too much for your height and sex if your Body Mass Index is high. Do your best to shed excess weight since losing even a few pounds could put you in another BMI rating which means cheaper rates.

3. Notwithstanding the fact that a good number of individuals know that smoking increases their rates, they may not know that this also applies if they use other tobacco products. For example, you will get a more expensive premium if you chew or snuff tobacco.

Staying clear of all tobacco products will help you get cheaper individual health insurance.

4. Take it or not, the way you drive can affect your health insurance rates negatively. If you have many speeding tickets or a record of street racing you'll pay much more. The simple reason is that if you're such a driver, you will most likely require medical attention for injuries than a very cautious driver.

Improving your driving history and developing a good driving habit will reduce your rates. Extra powerful automobiles like fast muscle cars and super bikes will make you pay a higher health insurance rate. The higher probability of an accident means you could be wounded and need to make a claim.
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