<li>1. How much are you willing to pay out of your pocket each time you see the doctor? That’s what is known as your co-pay for those who do not know already. Your health care insurance premium will be reduce if you select a higher co-pay. That’s particularly recommended for individuals who rarely go to see a doctor.</li>
<li>2. People whose lines of duty expose to hazards get more expensive health care insurance rates. Switching to a less-hazardous vocation will bring down your rate by a remarkable margin. If your work exposes you to dangerous substances, for instance, your premiums will be much more than that given to a comparable profile who probably works as a receptionist in an office.</li>
<li>3. Staying loyal to one insurance carrier for any considerable length of time will surely get you savings. A number of providers will provide you discounts of around five% once you stick to them for over three years while others will provide you discounts for staying up to 5 years. Staying longer will attract more discounts. Nonetheless, you may save more if you switch.
Assuming your health care insurance premium is $2,500 and you are given a five% discount when you stay for up to five years you’ll pay $2,500 – (5% of $2,500 or $125) = $2,375.
If this is correct about you then you know it is ideal for you to go for the more cheap offer immediately and not wait for years to become entitled to a discount that won’t even save you as much.
you will most likely get reduce rates if you take the time to shop right since there are hundreds of health care insurance corporations around.</li>
<li>4. Smokers attract rates that are double or more that of persons who do not smoke. Smokers are more liable to die young and are also more likely to suffer a lot of deadly diseases.
This multiplies their risk to an insurance company and so increases their rates considerably. Once you stop tobacco use for about 12 months inform your present insurance company or reapply to some other insurance company and you will see a dramatic drop in your health care insurance premium.</li>
<li>5. Overweight people pay far higher rates than individuals with normal weights. An insured’s Body Mass Index (BMI) is an important factor that affects what you pay as health care insurance rate.
If your Body Mass Index rating is high, your rates will be expensive. Your weight is too much for your height and sex if your Body Mass Index is high. And do not think that you will get savings only when you lose 50 pounds, just losing several pounds will get you reduce rates provided it alters your BMI rating.</li>
<li>6. If you need a discount, buy your health care insurance policy from the same insurance company you bought existing policies from. It is called a multi-policy discount.
Although you can save a lot with a multi-policy discount, you may get a better deal by obtaining your various policies from various corporations.</li>
<li>7. Find and compare a lot of health care insurance proposals. Visit a minimum of three proposals sites.</li>
Requesting proposals from a minimum of three proposals sites raise the chances that you’d obtain more proposals. This provides you a broader basis for doing more thorough comparisons thus increasing your chances of realizing more savings.