Low Cost Individual Health Insurance -- Tips To Attract It

To what extent have you gone in taking steps to attract the cheapest individual health insurance rates? Have you restricted yourself to one or two ideas that your friends shared with you a long time ago? Are you really certain you've looked at all the steps there are to take to massive savings? I've got many more time-tested tips here...

1. You will spend less by having your kids insured through state plans. There are conditions that must be met before you are deemed qualified for such.

They'll either cost you nothing or require very little payment so check to see if you're eligible. These state plans for children will save you a lot of cash if you have a child with a special health condition when compared to what you'd pay if you go for traditional health insurance.

2. It is now commonly known that smoking causes higher individual health insurance rates. What people might not appreciate is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

So, you'll help yourself attract less expensive rates if you avoid tobacco use in any form.

3. Going for free clinics will help you reduce your cost. These are good opportunities for you to receive professional medical help and have routine check up. Some communities provide such clinics and others may just be part of a group's community service.

4. Shed excess weight and your individual health insurance premium will drop. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.

The higher an individual's Body Mass Index rating, the higher their premium will be. The more overweight you are for your height and sex the higher your BMI rating will be. Now don't wait until when you can lose thirty pounds because dropping as little as five pounds can reduce your BMI rating which leads to cheaper rates.

5. It will cost you far less and lower your costs if you buy your prescriptions online. You can also get cheaper prices if you buy by phone. Companies who sell through the internet have lower overheads than brick and mortar businesses and this implies that they can and (do sell) at lower prices. But to ensure you're buying from the right company, check. It is very easy to verify by making use of a resource like BBB.

Don't forget that while we want to reduce costs we also want to avoid risks.

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