Cheap Individual Health Insurance - Advice For Better Quotes

17 percent of all Americans do not have any type of health insurance. This is culled from a report by the U.S Census Bureau. Besides, a good number of those who have any form of coverage are able to pay for it only because of group health plans.

This raises a serious concern as this means that a larger number of Americans would be without health due to the withdrawal of group health insurance by many businesses. This situation is due to the rising cost of health care.

Consequently, if most of those who are still enjoying group health plans are to continiously have health insurance, then they'd have to look for individual health insurance plans. The importance, therefore, of learning how to get more affordable health insurance premiums cannot be overemphasized. It is my hope that this article will make you know time-tested saving tips on health insurance...

1. Smokers get individual health insurance rates that are twice or more that of individuals who do not smoke. It is not debatable that smoking is the leading cause of cancer and other killer diseases.

This raises their risk to an insurance company and so increases their rates considerably. Once you quit smoking for about twelve months inform your present insurer or reapply to some other insurer and you'll experience a considerable reduction in your premium.

2. Overweight people attract far higher rates than individuals with normal weights. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to an insurer.

If your BMI rating is high, your rates will be high. You're overweight for your height and sex if your BMI is high. Put more effort into shedding excess weight since losing as little as a few pounds could put you in another BMI rating which means cheaper rates.

3. It is now clearly understood that smoking will attract higher rates. What some might not appreciate is that the same also applies if you use any other form of tobacco product. For instance, you'll pay a higher rate if you chew or snuff tobacco.

Therefore, you'll help yourself get cheaper individual health insurance rates if you stay away from tobacco use in any form.

4. Take it or not, the way you drive can have a negetive effect on your health insurance rate. Speeding tickets and other traffic offences can seriously add to your health insurance premium. This is because you will become a worse risk to your health insurance provider.

You will reduce your rates if you develop a better culture behind wheels. Extra powerful automobiles like fast muscle cars and power bikes will attract a more expensive health insurance rate. The plain reason remains that you increase the chances that you'll make claims soon.
Get free individual health insurance Quotes and Save Now
Lower your individual health insurance rates Now!