Affordable Individual Health Insurance -- Suggestions For Lower Rates

17 percent of all Americans do not have any type of health insurance. This is what the U.S Census Bureau says. It is vital to stress that group health plans are the reason why a high pecentage of these people who have health insurance can obtain it.

This, regrettably, may soon change as many employers might soon exclude group health insurance from their employment allowance since they are becoming quite a strain on their businesses. The rising cost of health care is responsible for this new development.

This suggests that for most persons to have any type of health insurance, they would have to provide for themselves. And, it will be a welcome development for such people if they can learn ways of lowering such health insurance cost remarkably.. It is my hope that this write -up will make you know sure-fire ways to save on health insurance...

1. Smokers have individual health insurance rates that are double or more that of persons who don't smoke. It is no longer a hidden fact that smoking is the leading cause of cancer and other killer diseases.

If smoking causes specific health conditions, then it makes an individual a high risk and that calls for higher rates. If you can quit smoking you will attract rates that are dramatically cheaper when you reapply after 12 months.

2. That extra weight is costing you more in health insurance. An insured's Body Mass Index (BMI) is a strong factor that affects how much a person pays as rate.

If your BMI rating is high, your premium will be high. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now don't wait until when you can lose thirty pounds because shedding as little as five pounds can drop you into a lower BMI rating which will result in lower rates.

3. Even though most individuals are aware that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher rates.

So, you will help yourself get lower individual health insurance rates if you avoid tobacco use in any form.

4. Believe it or not, the way you drive can affect your health insurance rates negatively. Being convicted of traffic offences isn't only bad for your car insurance rate it also affects your health insurance rates. Any person who drives roughly will more likely make a claim soon as they are more likely to require medical attention.

Improving your driving history and developing a good driving habit will reduce your premium. Super-fast automobiles like fast muscle cars and power bikes will attract a higher health insurance premium. The higher probability of a crash means someone could be injured and need to make a claim.
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