Health Insurance - Three Things That Guarantee Lower Rates

A report shows that less than 2 out of every two Americans have health insurance coverage of any kind. This report can be trusted because it comes from the U.S Census Bureau. It's important to note that group health plans are the reason why the majority of these few you have health insurance can afford it. This raises a big concern as this means that many Americans might be without health due to the withdrawal of group health insurance by many employers.

Health care cost is rising and few of them can really keep. The only way left for the majority who would want to maintain health insurance coverage would be to buy individual health insurance. And since it will typically cost a lot more to have individual health insurance, savings tips on health insurance would be seriously appreciated. I'll share 3 ways that will guarantee you lower health insurance rates.

1. Smoking will make you pay very high health insurance rates. It's a well known fact that smokers are more susceptible to many health conditions and that they also die young. It costs insurance companies a lot more to provide health insurance to smokers because of their high risk. If you can quit smoking you'll get rates that are dramatically lower when you reapply after 12 months.

2. Overweight people pay far higher health insurance rates than people with normal weights. An insured's Body Mass Index (BMI) is a strong factor that affects how much you pay as health insurance rate. The higher a person's BMI rating, the higher their health insurance rates. The more overweight you are for your height and sex the higher your BMI rating will be.

3. You'll save much if you will shop around using insurance quotes sites (and do detailed comparisons).

You'll realize savings if you go to only one quotes site. But keep this in mind; you'll get better results by visiting at least three. This is because insurers not covered by one site will be covered by the other. And since your chances of receiving lower health insurance quotes has to do with the number of quotes you obtain, the more insurance companies you get quotes from, the better your chances. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.

By Chimezirim Chinecherem Odimba