Low Cost Individual Health Insurance -- Time-Tested Recommendations That Attract More Affordable Rates

To what extent have you gone in ensuring you get the cheapest individual health insurance rates? Did you simply give up after using the few tips you learnt then? Won't you like to get more tips since that will mean more massive savings? Then see if you've thought of these...

1. You can insure your kids through state plans if you want to reduce your cost. There are conditions that must be fulfilled before you are deemed eligible.

They'll either cost you nothing or require very little payment so check to see if you're eligible. If you have a child with a special health condition, you'll save much if you insure such a child through a state plan.

2. Despite the fact that many insurance prospects have realized that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for instance will cost you in higher rates.

Therefore, for your health and lower rates, stop using any tobacco product.

3. Take advantage of free clinics if you intend to lower your spend. These free clinics will take care of simple things like giving you medical advice, blood pressure checks and much more. Some communities have such clinics and others may just be part of a group's community service.

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

A high BMI will always get an expensive rate all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now do not wait until when you can lose 30 pounds because dropping five pounds can drop you into a lower BMI rating which will result in lower rates.

5. You will spend far less and reduce your rates if you buy your prescriptions over the internet. You can as well get lower prices if you buy by phone. Drugs are more affordable online because the cost of doing business is considerably cheaper with the internet. However, you will do well to check the company you are buying from so you don't endanger yourself. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

While we want to reduce our health care costs we also have to make sure we safeguard our lives.

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