1. You'll attract a lower rate for a group plan than you will for an individual plan. Don't miss it if you're in an institution that gives you the option of using a group plan as it naturally means that you'll pay less for health insurance. This should be of particular interest to older persons, smokers or overweight people who generally attract expensive premiums.
You will also make considerable savings with a group plan if you have to pay very expensive rates owing to a pre-existing medical condition. Therefore, taking advantage of a group health insurance plan is an easy way of getting the right health insurance coverage for far less.
2. You will get higher premiums just because your vocation exposes you to hazards. You will pay less expensive health insurance premiums if you leave a hazardous occupation for a safe one. Since a clerk in a bookshop isn't exposed to any health risks like a nuclear plant worker, he or she would pay much lower health insurance rates.
3. How much are you willing to contribute to payments for seeing your doctor? This is your co-pay. Your health insurance premium will be lower if you choose a higher co-pay. If you rarely ever have to visit a doctor, you should save a lot by selecting a high co-pay.
4. Stop smoking if you want more affordable health insurance. It's a sure truth that smokers are susceptible to various health conditions and that they don't live long.
If smoking causes some kinds of health problems, then it makes an individual a high health insurance risk and that calls for higher rates. If you can quit smoking you will attract rates that are dramatically more affordable when you reapply after 12 months.
5. It is profitable to stay with the same insurer. A number of insurance providers will give you discounts of around 5 percent once you stick to them for over 3 years while others will give you discounts for staying up to 5 years. The longer you stick with the same insurer, the more the discount you're likely to get.
However, you may be better served by switching.
If your health insurance premium is $2,500 and you get a 5 percent discount when you stay for about 5 years you'll pay $2,500 - (5% of $2,500 or $125) = $2,375.
Then it won't be wise to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you will get now if you change to another insurer.
But believe it or not, most people can pay a lot less with another insurance company if they will only take the time to shop properly.
6. Shed excess weight and your health insurance rates will be lower. Your BMI or Body Mass Index is a very important factor in calculating your risk to an insurer.
The higher an individual's BMI rating, the more expensive their health insurance rates will be. The more overweight you are for your height and sex the higher your BMI rating will be. Now don't postpone it for when you can lose thirty pounds because losing 5 pounds can reduce your BMI rating which will result in lower health insurance rates.
7. Getting your health insurance from the same insurer who provides your other insurance policies will get you a discount. It's called a multi-policy discount.
On the other hand, the total amount you may get as discount may still pale into significance if weighed with savings you will make by getting your policies from several insurers.
8. You will save much money on health insurance if you get and compare quotes from insurance quotes sites.
Requesting quotes from not less than three quotes sites raise the chances that you would realize bigger savings. This is because insurers not covered by one site would be covered by another.
Because the likelihood of getting lower health insurance quotes is related to the range of health insurance quotes you receive, the more insurance companies you obtain quotes from, the higher your chances. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of getting better quotes.
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Chimezirim Odimba writes on health insurance.
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