Money

Published on June 20th, 2013 | by KateSimmons

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Different Ways To Possibly Lower Your Health Insurance In The Long Run

Are you currently searching for different ways to possibly lower your health insurance rate? Though expensive, health insurance is a factor that can’t be ignored; it’s something you shouldn’t live without. However, there may be new avenues to potentially save a little bit of money, but still be protected when it comes to your health.

Tricks of the Trade

Most, if not everyone, can afford to save a little bit of money each month, quarter, or year. If you want to start saving money on health insurance, then it’s time to get creative. Depending on your current situation and needs, you may find the following tips to be successful.

Though it may seem a little obvious or hard to do, but staying healthy is important and could eventually assist you with keeping your hard-earned money in your pocket. Making sure your weight, cholesterol, and blood pressure are all in tact is important, specifically if you’re purchasing an individual health plan, as you’ll be charged based on your own health.

If you smoke, then you might want to consider quitting. It’s obvious for many reasons as to why smoking is bad for you. And now, you could have a new reason to stop smoking: your health insurance rate could lower. Though it depends on your insurance company, usually after a year of not smoking you could see your health insurance rate substantially being lowered.

You might want to try shopping around. Think about it: when you shop for a car or a new piece of furniture you get different quotes, right? You can do the same thing when searching for health insurance providers. It’s important to make a list of different companies, and then call around and get different rates for your specific needs. Be prepared to switch health insurance providers as you may discover that it could actually save you way more money than the time invested.

This next trick may seem funny or odd, but try avoiding danger. What does this mean, exactly? There are certain activities that are considered to be highly dangerous i.e. skydiving, mountain climbing, racing, etc. These sports could cause your insurance rates to rise or be overly expensive. Avoiding events that could potentially lead to injury might help you save money.

You’ve heard the popular phrase “location, location, location.” Have you ever connected it with saving money on health insurance? Though it may seem hard to believe, where you live could potentially affect what you pay each month, quarter, or year for health insurance. Though it may not be feasible, you may consider checking your current location and see how it factors into your current health rates.

Though health insurance can be expensive and a hassle to affordably secure, it’s something that is important and shouldn’t be lived without. Depending on your current situation and plan, you might discover new and inventive ways to potentially save money on health insurance. In the world today, it’s vital to cut costs and corners and avoid high premiums whenever applicable, even when pursuing health insurance.

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About the Author

Kate Simmons is a freelance writer and occasional blogger. If her article got you interested, feel free to follow or reach out to her via G+ or Twitter.


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