California Health Insurance -- 7 Ways To Reduce Cost

Would you appreciate cheap rates for the right coverage? If so, these recommendations will help you achieve just that...

1. Lose weight and your premium will drop. There is something called Body Mass Index (BMI). It is used to determine a prospect's rates.

The higher a prospect's Body Mass Index rating, the higher their premium will be. Your weight is too much for your height and sex if your BMI is high. And do not think that you'll get savings only when you lose fifty pounds, just dropping off a few pounds will get you lower rates once it alters your BMI rating.

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2. Even though a good number of insurance prospects know that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. For instance, you will pay a more expensive rate if you chew or snuff tobacco.

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

3. A poor driving record can make you pay higher California health insurance rates. If you have many charges on rough driving or a record of street racing you'll spend much more. The simple reason is that if you are such a driver, you'll more probably need medical attention for crash related injuries than a very cautious driver.

Hence, good driving does not only save you much in your auto insurance, it also gives you lower rates in California health insurance. If you drive a fast muscle car or super bike, you'll likely pay much more for California health insurance. This is because they are more likely to cause you injuries due to their higher risk of accidents.

4. Don't let yourself become carried away by the lowest price as you shop for low cost California health insurance. What you should be after is not just the cheapest quote but the quote that offers the best value for its price. And, shopping extensively is crucial to getting the best price to value. Howbeit, if you are required to pay slightly more for adequate coverage, then pay more.

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5. Buying catastrophic California health insurance policies will help you save substantially in California health insurance and is best for you if you are rarely sick. This type of policy covers you if you suddenly fall ill or are involved in an accident.

The best part of this policy is usually appreciated in cases where a health condition or accident results in very high medical bills that would otherwise destroy most people's life savings. The name certainly does give an idea of what it protects against. The premium paid for catastrophic California health insurance is quite affordable.

What are generally high are the deductibles which can be as high as $2,000. But if you take into consideration the fact that you are protecting yourself from accidents or ailments that would make you spend tens of thousands of dollars such deductibles are not really that high -- Relatively.

6. There's a special type of savings account known as the Flexible Spending Account. It's a type of savings account where you can save tax-free dollars for your health needs. You can also roll over any money you did not use in one year to the subsequent year tax-free. You can build a considerable reserve of funds for your health needs tax-free if you open a Flexible Spending Account.

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7. If you take alcoholic beverage your rates will be more than a similar profile that doesn't drink. Taking alcoholic beverages makes you a bigger liability and therefore increases your rates.

Many ailments are made more likely by taking alcohol.

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

What I'm sure of is the fact that quitting alcohol abuse is good for you. So you can reduce your rates (Apart from reducing the probability of developing certain health conditions) by staying away from alcohol if you can or drinking responsibly if you can't.

But I'm told it's harder to drink in moderation than it is to give it up totally. There are groups that are out to help alcoholics to stay away from drinking. Simply look for them.
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