California Healthcare Insurance -- Seven Ways To Reduce Cost

Are you interested in proven ways to enjoy low rates for coverage that won't cause you heartache down the road? If so, these recommendations will help you reach that goal...

1. Reduce you weight and your premium will drop. An insured's Body Mass Index (BMI) is a serious factor that affects how much a person pays as rate.

A high BMI will always get an expensive rate all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now do not wait until when you can lose thirty pounds since shedding 5 pounds can reduce your BMI rating which will result in lower rates.

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2. It is now commonly understood that smoking will attract higher rates. What many might not know is that the same also applies if you use any other type of tobacco product. For example, you will get a higher rate if you chew or snuff tobacco.

So for your health and less expensive rates, quit using any tobacco product.

3. If you drive irresponsibly then be prepared to pay higher California health insurance rates. Rough driving charges and other traffic offences can seriously increase your California health insurance premium. An individual who drives recklessly will more likely make a claim shortly as they are more likely to require medical attention.

Improving your driving records and developing a good driving habit will reduce your premium. Sports cars and power bikes will increase your rates because they make you a higher risk. The simple reason remains that you raise the probability that you'll make claims soon.

4. While looking for affordable California health insurance it's very important that you don't become carried away by just the most affordable rate. You should be wary of a very low quote that does not give you the desired value. Depending on your profile, you can get really low quotes that offer you the quality you are after if you shop well. But in situations where you don't find the right value in the lowest rate, you'll be making the right decision if you pay more to ensure you truly get the level of coverage that is right for you.

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5. Go for catastrophic California health insurance instead of a regular plan if you rarely fall take ill and you'll get better rates. You get coverage for those conditions or medical needs that may come up suddenly.

The good thing about this policy is normally appreciated in situations where an ailment or accident makes the patient incur very high medical bills that would otherwise wipe out most people's life savings. The name certainly does give a clue of what it protects against. The rate you pay for catastrophic California health insurance is truly affordable.

Nevertheless, the deductibles are generally as high as $2,000 but they are definitely worth it since you hardly fall sick and are protecting yourself in case a catastrophic illness or accident happens.

6. If you intend to spend less on California health insurance get a Flexible Spending Account. You can save tax-free dollars to cater for your health needs. The good point about this account is that it permits you to roll over unused funds into the next year tax free. You can build a big reserve of funds for your health needs tax-free if you open a Flexible Spending Account.

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7. You can reduce your rates by not drinking alcoholic beverages. Alcoholics pay more for California health insurance.

Many health conditions can be traced to drinking.

What quantity of alcohol can you take without any side effect? I cannot advise you on that since I'm not specialized on such issues.

What I'm sure of is the fact that avoiding alcohol use is good for you. So you can lower your rates (Apart from reducing the risk of developing certain diseases) by staying away from alcohol if you can or drinking responsibly if you can't.

It's just that for most people drinking responsibly is even more difficult than staying away completely. There are organizations that are out to help heavy drinkers quit drinking. Just look for them.
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