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Health Insurance Plans

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Ways To Qualify For A Cheap Healthcare Insurance

17 percent of all Americans don’t have any form of Health Insurance. This report can be trusted because it is from the U.S Census Bureau. And this could have been worse if not for Group Health Plans that have made Health Insurance cheap enough for most of those who have it.

This, however, may soon change as many business owners might soon remove Group Health Insurance from their employment allowance since they are becoming quite tasking on their businesses. This is partly due to the rising Cost Of Health Care.

So, if most people who are still enjoying Group Health Plans are to continue having health insurance, then they’d have to get Individual Health Insurance Plans. The necessity, therefore, of learning how to get more Affordable Health insurance premiums can’t be overemphasized. It is my hope that this article will show you sure-fire saving tips — Making it easier for you to attract inexpensive Health Insurance Quotes

Smokers get rates that are twice or more that of non-smokers. It is a well known fact that smokers are vulnerable to various health conditions and that they also die young.

This multiplies their risk to an insurance company and therefore increases their rates dramatically. If you can abstain from smoking you’ll get rates that are remarkably more affordable when you reapply after 12 months.

Overweight people get a lot more in rates than those with normal weights. There is something known as Body Mass Index (BMI) which is used to calculate a prospect’s premium.

A high Body Mass Index will always attract a high premium all other things being equal. Your weight is too much for your height and sex if your Body Mass Index is high. Put more effort into shedding excess weight since dropping even a few pounds could give you another Body Mass Index rating which means more affordable premiums.

Notwithstanding the fact that most insurance prospects are aware that smoking increases their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher premium.

So for your wellbeing and less expensive rates, stop using any tobacco product.

If you decide to pay your premiums monthly, you’ll pay higher rates. You may be told monthly payments are convenient but what you don’t know is how much extra you pay for this.

There are transaction charges that are incurred when processing a check. All through a year, your monthly checks would be processed separately since they are all different transactions. This means that transaction costs would be twelve times more for individual who make monthly payments.

That is one side of it: Insurance companies also incur higher administrative costs for your monthly premiums. For example, it costs some money to send payment notices each and every month.

All such cost to your insurer is eventually borne by you (that’s apart from their own profit margin for giving you such a “convenient” option).

If you are serious about enjoying superior coverage at very affordable rates then you have to visit following site: Health Insurance Quote.
Ep 1: Tips for buying Private Medical Insurance (UK)

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Written by Health Insurance Plans

October 23rd, 2011 at 8:43 am

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