Cheap Individual Medical Insurance -- Advice For Better Quotes

You will be amazed to learn that about 20 percent of all U.S citizens are without health insurance of any type. This information can be trusted because it comes from the U.S Census Bureau. Besides, a many of individuals who have any type of coverage can pay for it only because of group health plans.

This poses a serious concern as this suggests that a larger number of Americans would be without health on account of the withdrawal of group health insurance by many businesses. Health care cost is increasing and not many of them can really keep up with such additional financial strain.

So, if most of those who currently enjoy group health plans are to continue having health insurance, then they'd have to look for individual health insurance plans. The benefits, therefore, of discovering how to get cheaper health insurance rates cannot be overemphasized. It is my belief that this piece will uncover sure-fire ways to save on health insurance...

1. Smoking will always attract very high individual health insurance rates. It's a well known fact that smokers are vulnerable to various health conditions and that they don't live long.

This multiplies their risk to a health insurance carrier and therefore increases their rates considerably. Once you quit smoking for about twelve months inform your current insurer or reapply to another insurer and you will see a remarkable drop in your rates.

2. People with excess weight attract far more expensive rates than those with normal weights. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

A high BMI will always result in a high rate all other things being equal. The more extra weight you have for your height and sex the higher your BMI rating will be. And don't think that you will get savings only when you lose fifty pounds, just losing a few pounds will get you lower rates once it alters your BMI rating.

3. It's now generally understood that smoking will attract higher rates. What people might not know is that this is also true if you use any other type of tobacco product. For instance, you will pay a more expensive premium if you chew or snuff tobacco.

Therefore, you will help yourself get less expensive individual health insurance rates if you avoid tobacco use in any form.

4. A poor driving history can make you pay higher health insurance rates. Rough driving charges and other traffic violations can seriously add to your health insurance premium. The simple reason is that if you're such a driver, you will more probably need medical attention for crash related injuries than a very cautious driver.

Improving your driving records and developing a good driving culture will reduce your rates. Fast muscle cars and power bikes will increase your rates since they make you a bad risk. The higher probability of a crash means you could be injured and require to make a claim.
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