Low Cost Individual Medical Insurance - Recommendations For Better Rates

Seventeen percent of the American population does not have any form of health insurance. This is what the American Census Bureau reports. And this would have been worse knowing that it was group health plans that have made health insurance affordable for the majority of those who have it.

This, regrettably, may soon history as many business owners might soon remove group health insurance from their employment packages since they've become quite tasking on their businesses. Health care cost is increasing and a few of them can simply remain profitable with such additional financial strain.

Therefore, if most of those who are still enjoying group health plans are to continiously have health insurance, then they would have to buy individual health insurance plans. And, it will be a great help for such individuals if they can learn ways of lowering such health insurance cost by a huge margin.. It is my belief that this article will make you know proven saving tips on health insurance...

1. Smokers get individual health insurance rates that are twice or more that of persons who don't smoke. It's no longer disputable that smoking is the highest known cause of cancer and other deadly diseases.

This multiplies their risk to an insurance company and therefore increases their rates by a huge margin. It is up to you to stop smoking and then apply again after 12 months if your desire is to see your rates brought low by up to 50 percent.

2. That excess weight is costing you more in health insurance. There's something known as Body Mass Index (BMI). It is used to determine a prospect's premium.

If your Body Mass Index rating is high, your premium will be expensive. Your weight is too much for your height and sex if your BMI is high. And don't think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates provided it alters your Body Mass Index rating.

3. It is now commonly understood that smoking will attract higher rates. What people might not know is that the same also applies if you use any other type of tobacco product. For example, you will attract a more expensive rate if you chew or snuff tobacco.

Staying off all tobacco products will attract less expense in individual health insurance.

4. A poor driving record can make you pay higher health insurance rates. If you have many speeding tickets or a history of street racing you'll spend much more. The simple reason is that if you are such a driver, you will more probably need medical attention for injuries than a very careful driver.

Therefore, driving better does not only help your auto insurance, it also gives you cheap rates in health insurance. Super-fast automobiles like sports cars and power bikes will attract a more expensive health insurance premium. The simple reason remains that you raise the chances that you will make claims soon.
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