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Wednesday, September 16, 2009

Affordable Individual Health Insurance: Suggestions For Lower Quotes


You'll be surprised to know that close to 20 percent of all American don't have health insurance of any kind. This is what the American Census Bureau reports. Moreover, a many of individuals who have any form of coverage can pay for it just because of group health plans.

This poses a serious concern as this suggests that many Americans would not have health due to the withdrawal of group health insurance by many people. This is partly because of the rising cost of health care.

As a result, if most of those who currently enjoy group health plans are to continiously have health insurance, then they would have to look for individual health insurance plans. And, it will be a welcome development for such individuals if they can learn ways of lowering such health insurance cost by a huge margin.. It is my belief that this article will show you proven saving tips on health insurance...

1. Smoking will cost you very high individual health insurance rates. It is a sure fact that smokers are liable to many health conditions and that they don't live long.

If smoking results to specific health problems, then it makes a person a high risk and that calls for higher rates. It's within your power to stop smoking and then re-apply after twelve months if you want to see your rates brought low by up to fifty percent.

2. Lose weight and your rates will be lower. There's something known as Body Mass Index (BMI). It is used to determine a prospect's rates.

The higher an individual's BMI rating, the higher their premium will be. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Now do not postpone it for when you can lose 30 pounds because dropping five pounds can reduce your Body Mass Index rating which leads to more affordable rates.

3. Using tobacco in any form will add to your rates. Individuals who snuff or chew tobacco will also pay higher rates than people who don't

So for your wellbeing and cheaper individual health insurance rates, stop using any tobacco product.

4. Believe it or not, your driving culture can affect your health insurance rates negatively. If you have many speeding tickets or a history of street racing you will pay much more. Any person who drives recklessly might make a claim shortly as they are more likely to require medical attention.

You'll lower your costs if you develop a the right attitude behind wheels. If you use a fast muscle car or super bike, you will likely pay a huge sum for health insurance. The higher likelihood of an accident means someone could be injured and require to make a claim.
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