Health Care Insurance

Cheaper Individual Health Insurance: Suggestions For Better Quotes

A study proves that not up to 2 out of every 10 Americans have health insurance coverage of any type. This is what the U.S Census Bureau reports. It is important to stress that group health plans are the reason why most of these few who have health insurance can afford it.

This, regrettably, may soon history as many businesses might soon remove group health insurance from their employment allowance since they’ve become quite a strain on their businesses. This situation is because of the rising cost of health care.

This suggests that for most individuals to have any kind of health insurance, they would have to provide for themselves. And, it will be a welcome development for such individuals if they can discover ways of bringing down such health insurance cost by a huge margin.. I’ll teach a number of ways that will help you reduce your health insurance rates…

1. Say ‘No’to smoking if you desire inexpensive individual health insurance. It is a well known truth that smokers are liable to various health conditions and that they don’t live long.

It costs insurance companies much more to provide health insurance to smokers on account of their high risk. If you can quit smoking you’ll get rates that are dramatically cheaper when you reapply after twelve months.

2. Reduce you weight and your premium will reduce. An insured’s Body Mass Index (BMI) is a serious factor that determines how much a person pays as rate.

The higher an individual’s BMI rating, the higher their premium will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. And do not think that you will get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it alters your Body Mass Index rating.

3. Using tobacco in any form will increase your rates. For example, you will pay a more expensive premium if you chew or snuff tobacco.

Therefore, for your health and less expensive individual health insurance rates, quit using any tobacco product.

4. If you drive recklessly then expect to pay expensive health insurance rates. If you have many speeding tickets or a history of street racing you’ll spend much more. This is because you will become a worse risk to your health insurance provider.

Improving your driving history and developing a good driving habit will lower your premium. Super-fast automobiles like fast muscle cars and super bikes will attract a higher health insurance premium. This is because they will more easily cause you injuries due to their higher risk of accidents.
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