Low Cost Individual Health Insurance -- Time-Tested Tips That Attract Cheaper Rates

How well have you done in your bid to bring down your individual health insurance rate? Did you just stop at the few recommendations you got years ago? Won't you like to get more tips considering that will mean more massive savings? I have many more guaranteed tips here...

1. You'll save by insuring your kids through state plans. Nevertheless, not everyone can benefit from such state plans.

But check if you're qualified as this will cost you nothing or close to nothing in most cases. If you have a child with a special health condition, you'll save much if you insure such a kid through a state plan.

2. Notwithstanding the fact that most individuals are aware that smoking increases their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. For instance, you will attract a more expensive rate if you chew or snuff tobacco.

So, you will help yourself attract more affordable rates if you stay away from tobacco use in any form.

3. Using free clinics will help you lower your spend. These will either lower your co-payments or premium as a whole. They are good opportunities for you to get professional medical advice and have routine check up. These clinics could be run by a community or rendered as community service by an organization.

4. Reduce you weight and your individual health insurance rates will reduce. An insured's Body Mass Index (BMI) is a strong factor that determines how much a person pays as rate.

The higher a person's Body Mass Index rating, the more expensive their premium will be. You're overweight for your height and sex if your Body Mass Index is high. Now do not wait until when you can lose thirty pounds since shedding as little as five pounds can reduce your Body Mass Index rating which will result in more affordable rates.

5. You can lower your costs by buying prescriptions on the internet. Buying by telephone might as well get you affordable prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. But to ensure you are buying from a good company, check. It is quite easy to do this by making use of a resource like BBB.

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

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