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Seventeen percent of all Americans don’t have any type of health insurance. This is based on a report by the U.S Census Bureau. Moreover, a many of people who have any type of coverage do afford it only because of group health plans.

This poses a serious concern as this means that a larger number of Americans might not have health on account of the withdrawal of group health insurance by many employers. The increasing cost of health care is the reason for this new development.

Consequently, if most of those who currently enjoy group health plans are to continuously have health insurance, then they’d have to buy individual health insurance plans. This means that, it will be an advantage for such people if they can learn ways of reducing such health insurance cost by a huge margin.. Hopefully, this write -up will uncover time-tested ways to save on health insurance…

1. Smoking will make you pay expensive rates. It is a well known truth that smokers are liable to various health conditions and that they also die young.

It costs insurance companies much more to give health insurance to smokers because of the bad risk they are to them. If you can quit smoking you’ll attract rates that are remarkably lower when you reapply after 12 months.

2. Reduce you weight and your rates will reduce. Your BMI or Body Mass Index is a very serious factor used to define your risk to an insurer.

The higher an individual’s Body Mass Index rating, the higher their premium will be. You’re overweight for your height and sex if your BMI is high. Now do not postpone it for when you can lose 30 pounds because dropping as little as five pounds can drop you into a lower Body Mass Index rating which will result in cheaper rates.

3. Even though most people know that smoking increases their rates, they may not know that this also applies if they use other tobacco products. For instance, you will get a higher premium if you chew or snuff tobacco.

Therefore, for your wellbeing and cheaper rates, stop using any tobacco product.

4. Believe it or not, your driving culture can affect your health insurance rates negatively. Being convicted of traffic violation isn’t just bad for your auto insurance rate it also affects your health insurance premium. This is because you’ll become a bigger risk to your health insurance provider.

Hence, good driving doesn’t only help your auto insurance, it also helps you get lower rates in health insurance. If you drive a fast muscle car or power bike, you’ll likely pay a huge sum for health insurance. The higher likelihood of an accident means you could be wounded and have to make a claim.

5. Folks whose occupations expose to hazards get less affordable rates. You can reduce your premium if you choose another occupation that doesn’t expose you to hazards. Someone who works in a nuclear plant can’t attract similar rates with a a salesperson in the neighborhood grocery.

6. How much can you pay out of your pocket each time you see your doctor? This is known as your co-pay. The higher the amount you choose as your co-pay, the more affordable your premium will be. If you hardly ever need to see a doctor, you will save a lot by opting for a high co-pay.

7. You’ll attract cheaper rates for a group plan than otherwise. Therefore make use of it if you are in a position to use one.. It becomes even truer if you’re overweight, a smoker or an older person.

This is also true of individuals who have pre-existing medical conditions that attract very high premiums. Give a group plan serious consideration if you are after cheaper rates.

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