California Health Insurance -- 7 Ways To Cut Down Cost

There are steps that will help you get massive savings without putting yourself at risk. Would you like to know them? Then read through and apply the following well-proven tips for paying a lot less...

1. Lose weight and your rates will be lower. An insured's Body Mass Index (BMI) is a strong factor that determines how much a person pays as rate.

If your Body Mass Index rating is high, your rates will be high. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Now don't wait until when you can lose 30 pounds since dropping as little as five pounds can reduce your BMI rating which will result in lower rates.

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2. It is now clearly understood that smoking causes higher rates. What some might not appreciate is that this is also true if you use any other type of tobacco product. For instance, you will get a more expensive rate if you chew or snuff tobacco.

Therefore, for your wellbeing and less expensive rates, quit using any tobacco product.

3. Believe it or not, the way you drive can have a negative effect on your California health insurance rate. Being found guilty of traffic violation isn't only bad for your car insurance rate it also affects your California health insurance premium. This is because you'll become a bigger risk to your insurer.

You will lower your costs if you cultivate a the right attitude behind wheels. Extra powerful automobiles like fast muscle cars and power bikes will make you pay a higher California health insurance premium. The higher probability of an accident means you could be injured and need to make a claim.

4. A cheap premium is is desirable, however, make sure you don't become beclouded by making it the only factor. What you need isn't just the lowest quote but that which represents the best price to value ratio. And, shopping extensively is crucial to getting the best rate to value ratio. But be ready to pay a little more if necessary to get the right coverage for you.

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5. Go for catastrophic California health insurance rather than the traditional plan if you hardly fall take ill and you'll get cheaper rates. For folks who might not know what it is, it's a type of plan that takes care of you if you fall sick suddenly or get involved in an accident.

The good thing about this policy is usually seen in situations where the illness or accident results in very exorbitant medical bills that would otherwise destroy most people's life savings. The name really does give an idea of what it protects against. They are sold at very inexpensive rates.

Notwithstanding, the deductibles are usually as high as $2,000 but they are definitely worth it considering that you hardly get sick and are getting coverage in case a catastrophic illness or accident strikes.

6. There is a unique type of savings account known as the Flexible Spending Account. It's a type of savings account where you can save tax-free dollars for your health care needs. Any money unused could be carried over into the next year (still tax free). This offers you a tax free method of building large reserves of funds to cater for your future health needs.

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7. You can reduce your rates by avoiding alcoholic beverages. Drinking irresponsibly makes you a bigger liability and so gets you higher rates.

Many ailments are made more likely by taking alcohol.

What quantity of alcohol is safe for you? Honestly, I do not know.

What I know is the fact that avoiding alcohol use is good for you. For those who can't abstain totally, endeavor to drink responsibly.

It's just that for most people drinking in moderation is even more difficult than total abstinence. There are groups that are out to help alcoholics to stay away from drinking. Just look for them.
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