California Health Insurance -- 7 Ways To Reduce Cost

Are you interested in effective ways to enjoy low rates for coverage that won't compromise you? If so, the following suggestions will go a long way in helping you achieve just that...

1. Reduce you weight and your premium will be lower. An insured's Body Mass Index (BMI) is a strong factor that determines what a person pays as rate.

If your BMI rating is high, your premium will be high. If your Body Mass Index rating is high it shows that your weight is too much for your height. And don't think that you'll get savings only when you lose fifty pounds, just losing a few pounds will lower your rates provided it reduces your BMI rating.

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2. Using tobacco in any form will add to your rates. For example, you'll pay a more expensive rate if you chew or snuff tobacco.

Steering clear of all tobacco products will result in cheaper California health insurance.

3. Believe it or not, your driving culture can have a negative effect on your California health insurance rate. If you have many charges on rough driving or a history of street racing you'll pay much more. Any person who drives roughly might make a claim soon as they're more likely to require medical attention.

You'll reduce your rates if you cultivate a the right attitude behind wheels. Sports cars and super bikes will raise your premium because they make you a bad risk. The plain reason remains that you increase the chances that you will make claims soon.

4. Don't become shortchanged by the lowest quote as you shop for low cost California health insurance. You want a cheap quote that also gives you adequate coverage. Depending on your profile, you can get very cheap quotes that offer you the quality you are after if you shop extensively. However, if you need to pay little more for the right coverage, then pay more.

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5. Opting for catastrophic California health insurance coverage will help you make considerable savings in California health insurance and is your best bet if you are rarely sick. For those who do not know what it is, it's a type of plan that takes care of you if you fall sick suddenly or are involved in an accident.

The good thing about this policy is usually appreciated in cases where a health condition or accident results in very exorbitant medical bills that would otherwise wipe out most people's life savings. That's why it's protection against catastrophic illness or accidents. Catastrophic California health insurance premiums are usually very low.

Notwithstanding, the deductibles are usually as high as $2,000 but they are certainly worth it considering that you rarely fall sick and are protecting yourself in case a catastrophic sickness or accident happens.

6. A Flexible Spending Account helps you in your quest to reduce your spend. It is a kind of savings account where you can save tax-free dollars for your health needs. The selling point about this account is that it allows you to roll over unused funds into the next year tax free. You can build a large reserve of funds for your health care needs tax-free if you have a Flexible Spending Account.

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7. If you drink then your rates will be more than a similar profile that doesn't drink. Heavy drinking makes you a bad risk and therefore increases your rates.

Drinking is the root cause of many ailments and that is apart from the fact that it will also add to your risk to California health insurance companies.

How much drinking is safe for you? I can't really say as there are people who can take a bottle and still maintain their cool while some will drink just a sip and then go bersek.

What I know is the fact that avoiding alcohol abuse is good for you. So you can reduce your rates (Apart from reducing the risk of developing certain ailments) by staying away from alcohol if you can or drinking in real moderation if you can't.

The only problem is that those who say they cannot quit drinking most often can't drink in moderation. There are organizations that are out to help alcoholics quit drinking. Just ask about them.
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