Cheap Health Insurance — Advice For Better Rates
Post date: May 18th, 2009 |
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You’ll be astonished to read that about 20% of all American don’t have health insurance of any kind. This is culled from a report by the U.S Census Bureau. In addition, a good number of individuals who have any form of coverage are able to afford it just because of group health plans.
This becomes a serious issue as this means that many Americans would be without health due to the withdrawal of group health insurance by many people. Health care cost is increasing and not many of them can really remain profitable with such additional financial strain.
Therefore, if most people who are still enjoying group health plans are to continue having health insurance, then they’d have to look for individual health insurance plans. And, it will be a welcome development for such people if they can find ways of lowering such health insurance cost remarkably. let us see several tips to bring down your individual health insurance rate.
1. Say ‘No’to smoking if you plan to get cheaper health insurance. Smokers are more prone to die at a tender age and are also more likely to have many deadly diseases.
This increases their risk to a health insurance carrier and therefore increases their rates considerably. If you can quit smoking you’ll attract rates that are dramatically cheaper when you reapply after twelve months.
2. People with excess weight pay far higher rates than individuals with normal weights. There’s something called Body Mass Index (BMI) which is used to determine a prospect’s rates.
The higher a person’s BMI rating, the more expensive their rates will be. When your Body Mass Index rating is high it simply means that your weight is too much for your height. And don’t think that you will get savings only when you lose 50 pounds, just losing a few pounds will get you lower rates once it reduces your BMI rating.
Get the most suitable individual health insurance quote.
3. It’s now commonly known that smoking will attract higher rates. What many might not appreciate is that the same also applies if you use any other type of tobacco product. For example, you’ll pay a higher rate if you chew or snuff tobacco.
So for your wellbeing and lower rates, quit using any tobacco product.
4. If you drive irresponsibly then be prepared to pay expensive health insurance rates. If you have many speeding tickets or a record of street racing you will pay much more. An individual who drives roughly might make a claim shortly as they’re more likely to need medical attention.
You’ll reduce your costs if you develop a better culture behind wheels. If you drive a fast muscle car or power bike, you’ll likely pay much more for health insurance. The simple reason remains that you raise the probability that you will make claims soon.
Start saving a lot now here: affordable health insurance in NY.