Individual California health insurance: You will pay more or less depending on how risky or otherwise an insurer thinks you are. If you are considered a high risk, you pay more. But if you're seen as a good risk, you pay less. The following things will make you a better risk and, as a result, help you get more affordable rates...
1. Believe it or not, the way you drive can affect your individual California health insurance rates negatively. Being found guilty of traffic offences isn't just bad for your auto insurance rate it also affects your health insurance premium. The simple reason is that if you're such a driver, you will most likely need medical attention for injuries than a very cautious driver.
You'll lower your health insurance rates if you cultivate a good habit behind wheels. If you drive a sports car or power bike, you will likely pay much more in health insurance. This is because they will more easily cause you injuries due to their higher risk of accidents.
2. You will pay less affordable individual California health insurance rates simply because your occupation exposes you to many hazards. You will get lower health insurance premiums if you leave a hazardous line of duty for something safe. Because a clerk in a grocery shop isn't exposed to any health risks like a nuclear plant staff, he or she would pay more affordable health insurance rates.
3. It is now clearly understood that smoking results in higher rates. What people might not know is that this is also true if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance, will cost you in higher health insurance premium.
Therefore, you'll help yourself attract more affordable rates if you avoid tobacco use in any form.
4. A Flexible Spending Account is invaluable search opportunities to make massive savings. It's a type of savings account where you can save tax-free dollars for your health needs. Any amount unused could be carried over into the succeeding year (still tax free). With this account you can actually have a substantial amount to take care of your health care needs.
5. Deciding to be flexible about the doctors and health care facilities you can use will result in a reduction in your individual California health insurance cost. The reason for this is that you may have to restrict yourself to doctors and hospitals in a certain network in order to enjoy certain low rates. You'd have to stop using your favorite health care provider if he or she isn't part of the network.
If you consider this to be too much for you to give up then you can't lower your health insurance rate this way. But in being flexible don't joke with your health for anything.
Before we wrap things up you must make out some time to get and compare California health insurance quotes from five or more reputable quotes sites. Doing this could save you from a few hundreds of dollars to over a thousand.
Here are my favorite quotes sites...
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