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Cheaper Health Insurance Plan – Steps To Save

It will surprise you to know that about 20% of all American are without Health Insurance of any sort. This is based on a report by the American Census Bureau. And this could have been worse knowing that it was Group Health Plans that have made Health Insurance Affordable for a good portion of people who have it.

This is a serious issue as this suggests that many Americans might not have health due to the withdrawal of Group Health Insurance by many employers. Health care cost is increasing and a few of them can simply remain profitable with such additional financial strain.

This implies that for most individuals to have any type of health insurance, they’d have to provide for themselves. The importance, therefore, of knowing ways to get more Affordable Health insurance premiums can’t be stressed enough. I’ll share a number of ways that will help you bring down Your Health Insurance rates or attract inexpensive Health Insurance Quotes

Smokers attract rates that are twice or more that of non-smokers. It’s a sure fact that smokers are prone to many health conditions and that they also die young.

It costs insurance carriers much more to give health insurance to smokers because of the bad risk they are to them. If you can abstain from smoking you’ll get rates that are remarkably cheaper when you reapply after 12 months.

Overweight people get a lot more in rates than individuals with normal weights. An insured’s Body Mass Index (BMI) is a serious factor that determines how much you pay as rate.

If your Body Mass Index rating is high, your rates will be expensive. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight since dropping even a few pounds could put you in another Body Mass Index rating which means more affordable premiums.

It’s now clearly known that smoking will attract higher rates. What people might not know is that the same also applies if you use any other type of tobacco product. For instance, you’ll get a more expensive premium if you chew or snuff tobacco.

So, you’ll help yourself get cheaper rates if you avoid tobacco use in any form.

You’ll attract less expensive rates if you opt to pay your premiums yearly and not monthly. You may be told paying monthly is less stressful but what you’re not told is how much extra you pay for this.

There are transaction fees that are incurred when processing a check. For twelve payments (that is, your monthly premiums) you’ll have a sum of twelve transactions. This implies that transaction fees would be twelve times more for those who pay monthly.

That is just part of it: Insurance companies also incur certain administrative costs for your monthly premiums. For instance, it costs some money to send payment notices each and every month.

The additional administrative cost to an insurance provider is ultimately paid by you (that’s in addition to their own markup for giving you such a “convenient” option).

The following site will help folks looking for superior coverage at very low rates: Health Insurance Quote.
FNC: Obama Health Plan Takes Us “One Step Closer To the United Socialist States of America”

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