California Health Care Insurance -- 7 Tips To Reduce Cost

Do you want cheap rates for sufficient coverage? Then read through and use the following highly effective steps to getting better rates...

1. Reduce you weight and your rates will be lower. There is something called Body Mass Index (BMI) which is used to calculate a prospect's premium.

If your BMI rating is high, your premium will be expensive. When your Body Mass Index rating is high it simply means that your weight is too much for your height. 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 lowers your BMI rating.

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2. It's now commonly known that smoking will attract higher rates. What people might not know is that this is also true if you use any other form of tobacco product. People who snuff or chew tobacco will also attract higher rates than those who don't

Therefore, you'll help yourself attract less expensive rates if you avoid tobacco use in any form.

3. Believe it or not, your driving culture can affect your California health insurance rates negatively. If you have many charges on rough driving or a history of street racing you will spend much more. This is because you will become a bigger risk to your insurer.

Therefore, driving better does not only help your auto insurance, it also helps you get cheap rates in California health insurance. If you drive a sports car or power bike, you'll likely pay much more for California health insurance. The plain reason remains that you raise the chances that you'll make claims soon.

4. While shopping for low cost California health insurance it's very important that you don't become carried away by just the cheapest quote. What you should be after isn't merely the cheapest quote but the quote that offers the best price to value ratio. Based on a number of factors, you can get very cheap rates that give you the value you are after if you shop extensively. But be willing to pay slightly more if necessary to buy the right coverage for you.

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5. If you are the type that is hardly ever ill you will make substantial savings by buying catastrophic California health insurance instead. This type of policy takes care of you if you suddenly fall ill or are involved in an accident.

The greatest benefit of this policy is in cases where sudden health conditions or accidents create huge bills that could at best be described as catastrophic. The name surely does offer an idea of what it protects against. Catastrophic California health insurance premiums are normally very low.

Notwithstanding, the deductibles are generally as much as $2,000 but they are certainly worth it considering that you hardly fall sick and are getting coverage in case a catastrophic ailment or accident strikes.

6. A Flexible Spending Account is helpful as you search for opportunities to reduce your spend. This type of account is meant for you to save tax-free dollars specifically for your health needs. The selling point about this account is that it allows you to roll over unused funds into the subsequent year tax free. This gives you a tax free way of building large reserves of funds for your health needs.

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7. You can reduce your rates by staying away from alcoholic beverages. Drinking adds to your health risk.

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

How much alcohol would have a negative effect on you as a person? Sincerely, I can't say.

But here is what I am sure of: Quitting alcohol totally will do you much good. For people who can't quit totally, endeavor to drink in moderation.

It is just that for most people drinking responsibly is even more tasking than total abstinence. Ask for help if you want to stop drinking alcohol. There are groups that help alcoholics quit drinking.
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