Health Insurance - A Guide To Huge Savings

 Health Insurance - A Guide To Huge Savings

If you want to learn how you can reduce your health insurance premium, you've come to the right place. Some may be things you already are aware of; others may not. How much you save will be a function of how well you use the tips. Simply put, you can do something about reducing your health insurance premium.

Quit smoking for up to thirteen months and then reapply. Most insurers will reduce your health insurance rates once you've stayed off smoking for this length of time.

Watch your weight. If you are overweight, your health insurance rates are also overweight (I'm not kidding!). So, apart from the fact that shedding some of that weight will make you live a healthier life, you'll as well enjoy lower health insurance rates.

The reason you get lower health insurance rates when you implement the first two tips is that smokers and obese persons are usually more prone to suffer certain health conditions.

You can also lower your health insurance premium by asking for a higher deductible where applicable. However, make sure you choose a deductible that you can easily pay. Your insurer will not pay a dime until you pay this amount when you make a claim.

Don't get too much coverage. I know this sounds funny. However, many people actually get too many duplicate coverages. They pay for the same thing twice and they sometimes pay for coverage they don't need. Take some time out to look through your policy terms to see if you don't already have a particular coverage before adding it to your health insurance policy.

But before we go any further, I think I have to stress the following...

Although we are all about making as much savings in your health insurance as possible here I think I need to point something out: Make out some time to check out the insurance company you intend to use. Don't make the mistake of settling with an insurance provider without knowing their reputation. Check with your state's Department of Insurance to know an insurer's standing.

Now back to the tips...

You can bring down your health insurance premium by getting quotes from reputable insurance quotes sites. Each site will require about 5 minutes or less to obtain quotes. Make sure that you give the same (correct) information about yourself at every site visited. . Thereafter, simply choose the insurer that gives you the best price/value from the quotes you've obtained.

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