California Healthcare Insurance -- 7 Ways To Cut Down Cost

Are you interested in proven ways to get cheap rates for coverage that won't compromise you? Then read through and implement the following time-tested steps to getting better rates...

1. Overweight people attract far higher rates than those with normal weights. There is something called Body Mass Index (BMI) which is used to determine a prospect's premium.

The higher a person's Body Mass Index rating, the higher their rates will be. When your BMI rating is high it simply means that your weight is too much for your height. Now do not postpone it for when you can lose 30 pounds because shedding five pounds can drop you into a lower BMI rating which leads to lower rates.

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2. It's now clearly understood that smoking causes higher rates. What some might not know is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher rates.

Therefore, for your health and cheaper rates, stop using any tobacco product.

3. Believe it or not, the way you drive can have a negative effect on your California health insurance rate. Speeding tickets and other traffic offences can seriously add to your California health insurance premium. The simple reason is that if you're such a driver, you will most likely need medical attention for crash related injuries than a very cautious driver.

Therefore, good driving doesn't only help your auto insurance, it also helps you get cheap rates in California health insurance. Sports cars and super bikes will increase your rates because they make you a higher risk. The plain reason remains that you raise the chances that you'll make claims soon.

4. Don't get carried away by the cheapest rate as you shop for affordable California health insurance. You should be wary of a very low quote that does not offer you the desired value. And, shopping the right way is crucial to getting the best rate to value. But where you don't see the right value in the lowest rate, you will be making the right choice if you spend more to be certain you truly have the level of plan that you really need.

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5. Settling for catastrophic California health insurance coverage will help you save substantially in California health insurance and is best for you if you are the consistently healthy type. You enjoy coverage for those conditions or medical needs that may come up suddenly.

The best part of this policy is normally seen in situations where the illness or accident makes the patient incur very exorbitant medical bills that would otherwise destroy most people's life savings. That's the reason it's protection against catastrophic ailments or accidents. Catastrophic California health insurance rates are normally very affordable.

What are normally high are the deductibles which can be as much as $2,000. But if you take into consideration the fact that you are getting coverage from accidents or diseases that would cost tens of thousands of dollars such deductibles are not quite that much -- Relatively.

6. There's a special type of savings account known as the Flexible Spending Account. You can save tax-free dollars to cater for your health needs. You can also carry over any amount you didn't use in one year to the next tax-free. This offers you a tax free method of building considerable reserves of funds for your health needs.

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7. If you drink then your rates will be more than a another profile that doesn't drink. Drinkers pay more for California health insurance.

Drinking is the root cause of a good number of health conditions and that is apart from the fact that it will also add to your risk to California health insurance companies.

How much alcohol would be harmful to you as an individual? Sincerely, I can't say.

What I'm sure of is that avoiding alcoholic beverages totally is isn't harmful to anyone. So you can reduce your rates (Apart from reducing the risk of developing certain health conditions) by staying away from alcohol if you can or drinking responsibly if you can't.

The only problem is that those who say they can't quit drinking most often cannot drink in moderation. There are groups that are out to help alcoholics to stay away from drinking. Just search for them.
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