Lower Health Insurance Rates - 3 Surefire Ways To Pay A Lot Less
17% of all Americans don't have any form of health insurance. This report can be trusted because it comes from the U.S Census Bureau. And this would have been worse if not for group health plans that have made health insurance affordable for most of those who have it.
However, the number of Americans without it may likely increase because most employers are beginning to find it too burdensome to provide their employees with health care benefits. Health care cost is rising and few of them can really keep.
Therefore, if most of those who currently enjoy group health plans are to continue having a health insurance policy, then they'd have to get individual plans.
And, it will be a great help for such people if they can find ways of lowering such cost considerably. I'll share a few ways that will guarantee you lower rates.
1 -- Quit Smoking
Smokers pay health insurance rates that are twice or more that of non-smokers. Smokers are more liable to die young and are also more likely to contract many deadly diseases. It costs insurance companies a lot more to provide this to smokers because of their high risk.
It's up to you to quit smoking and then re-apply after 12 months if you want to see your rates reduced by up to 50%
2 -- Lose Weight
Lose weight and your health insurance rates will drop. An insured's Body Mass Index (BMI) is a strong factor that affects how much you pay as a rate. A high BMI will always result in a high rate all other things being equal. When your BMI rating is high it simply means that your weight is too much for your height.
And do not think that you'll get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it lowers your BMI rating.
3 -- Get and Compare Quotes
You can reduce your health insurance rates by asking for and comparing quotes from good quotes sites. You can just pick the cheapest quote. And, it will take you just about 15 minutes on the whole. As you visit each site, make sure you input the same details.
Here are my favorite pages for health insurance quotes...
InsureMe Health Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.
Chimezirim Odimba writes on insurance.
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