Low Cost Individual Health Insurance - Suggestions For Lower Rates

Seventeen percent of the American population does not have any kind of health insurance. This is what the U.S Census Bureau reports. It's important to point out that group health plans are the reason why the majority of these few who have health insurance can afford it.

This, regrettably, may soon change as many business owners might soon start withdrawing group health insurance from their employment packages as they've become quite tasking on their businesses. Health care cost is increasing and a few of them can simply remain profitable with the obligation.

Consequently, if most of those who are still enjoying group health plans are to continiously have health insurance, then they'd have to buy individual health insurance plans. And because it will naturally cost a lot more to get individual health insurance, savings tips on health insurance would be seriously appreciated.. I'll make you know some ways that will guarantee you bring down your health insurance premium...

1. Smokers have individual health insurance rates that are double or more that of people who do not smoke. It is a sure truth that smokers are susceptible to many health conditions and that they also die young.

If smoking results to certain health problems, then it makes a person a high risk and that attracts higher rates. It is up to you to abstain from smoking and then re-apply after 12 months if you want to see your rates reduced by up to fifty percent.

2. That excess weight is costing you a lot in health insurance. An insured's Body Mass Index (BMI) is a strong factor that affects what an individual 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 BMI rating will be. And don't think that you'll get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates provided it reduces your BMI rating.

3. It's now commonly understood that smoking will attract higher rates. What many might not appreciate is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher premiums.

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

4. Take it or not, your driving culture can affect your health insurance rates negatively. If you have many charges on rough driving or a history of street racing you will pay much more. This is because you will become a greater risk to your insurer.

Improving your driving history and developing a good driving habit will lower your rates. Extra powerful automobiles like sports cars and power bikes will attract a higher health insurance rate. The plain reason remains that you increase the chances that you will make claims soon.
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