Low Cost Individual Health Insurance -- Things That Will Make It Easier

How well have you done in your bid to lower your individual health insurance rate? Have you limited yourself to just tips that your friends shared with you a years ago? Are you quite certain you've learnt all the steps there are to take to massive savings? Then check if you've applied the following...

1. You can have your children insured through state plans if you need to cut down your spend. Nevertheless, not every family is eligible to use such state plans.

But check if you are qualified as this will cost you nothing or very little in most cases. These plans can save you a lot if your child has a special illness that will cost you much if you insure them with private insurance carriers.

2. Although a good number of individuals have realized that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. People who snuff or chew tobacco will also pay higher rates than those who don't

Staying off all tobacco products will attract more affordable health insurance.

3. You can bring down your spend by taking advantage of free clinics. These free clinics will take care of simple things like providing you with medical advice, blood pressure checks and much more. Clinics like these are normally rendered as community service.

4. Shed excess weight and your individual health insurance rates will reduce. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

A high BMI will always get an expensive rate all other things being equal. If your Body Mass Index rating is high it shows that your weight is too much for your height. And don't think that you'll get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates once it alters your BMI rating.

5. Buying your prescriptions online is a proven way to bring down your health care spend. You can as well get cheaper prices if you buy by phone. Drugs are cheaper online because the cost of operating a business is remarkably lower with the internet. Howbeit, you'll do well to check the company you're buying from so you don't put yourself at risk. Just go to BBB online and you will know if you should buy from a specific company.

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

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