Low Cost Individual Health Insurance -- Things That Will Make It More Likely

Have you succeeded in your quest to reduce your individual health insurance rate? Did you just give up after using the few recommendations you got then? Are you really certain you've learnt all the ways there are to massive savings? I've got some more guaranteed tips here...

1. You can have your children insured through state plans if you want to reduce your cost. However, not everyone is eligible to use such state plans.

They will either cost you nothing or close to that so check to see if you're eligible. These state plans for children will save you a ton of cash if you have a child with a special health condition when compared to what you would pay if you go for regular health insurance.

2. It's now clearly understood that smoking will attract higher individual health insurance rates. What people might not know is that this is also true if you use any other type of tobacco product. For example, you will get a higher premium if you chew or snuff tobacco.

Steering off all tobacco products will help you get cheaper health insurance.

3. Take advantage of free clinics if you intend to lower your spend. These will either lower your co-payments or premium entirely. These are good opportunities for you to receive professional medical advice and have routine check up. These clinics could be organized by a community or rendered as community service by an organization.

4. That extra weight is costing you more in health insurance. Your BMI or Body Mass Index is a very important factor used to define your risk to an insurer.

The higher a person'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. Put more effort into shedding excess weight as dropping just a few pounds could give you another BMI rating and result in more affordable rates.

5. You can lower your rates by buying prescriptions on the internet. Buying by telephone will also get you affordable prices. Drugs are cheaper online because the cost of doing business is dramatically lower with the internet. But to ensure you are buying from the right company, check. Simply visit BBB online and you'll know if you should buy from a specific company.

This is really very important as you don't want to risk your health in the name of making savings. Checking with BBB online and other such services will help you stay safe while you buy at cheaper prices online.

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