California Individual Health Insurance -- 6 Smart Ways To Pay Less

You can get more affordable California individual health insurance rates if you implement a few tips. They may look very simple but they'll really save you a lot. To give you an idea: If all the tips in this article apply in your case, implementing them all will save you over 50% on your current rate.

1. There are drugs that are big brand names. If you buy such drugs, your health insurance rates will go up. But are you aware that every generic drug has the same active agents as its big brand name version? Where the dissimilarities start and end are in their selection of inactive agents.

This simply implies that what you get from brand name drugs is the same thing you get from generic drugs of similar specification. However, check this with your doctor before taking this decision.

2. That excess weight will make you get higher California individual health insurance rates. Your BMI or Body Mass Index is a very important factor in calculating your risk to a health insurance carrier.

If your BMI rating is high, your rates will be expensive. The more overweight you are for your height and sex the higher your BMI rating will be. And don't think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will lower your rates provided it reduces your BMI rating.

3. Group plans are cheaper than individual plans. Don't miss it if you're in a position that offers you the option to use a group plan as it generally means that you'll pay less for health insurance. The higher a risk your profile is the more you'll save if you can get health insurance through a group plan.

A group plan will save you a lot if you have a medical condition that makes individual health insurance either too costly or tough to get. A group plan is an easy way of lowering your health insurance rate without compromising the quality of coverage you get.

4. If you participate in high risk or extreme sports you'll attract expensive California individual health insurance rates. If you truly need to lower your health insurance rate then switch to safer sports.

5. Your health insurance rate will be cheaper if you raise your deductible. This is the amount you must contribute before your insurer is obligated to fulfill the policy terms. Even though it's recommended that you opt for a very high deductible, ensure it's an amount that you can easily pay.

6. Get and compare California individual health insurance quotes. Comparison shopping could enable you save thousands in health insurance. It's normal to see differences of a couple of thousands in the range of quotes received for a given profile.

Here are my favorite quotes sites...

Get Free No-Obligation Quotes Now

Best Health Insurance Quotes In Minutes