California Healthcare Insurance -- 7 Ways To Cut Down Cost

Would you appreciate cheap rates for adequate coverage? If this is true about you then go through this write-up for guaranteed tips...

1. Overweight people pay far more expensive rates than individuals with normal weights. There is something called Body Mass Index (BMI) which is used to determine a prospect's rates.

A high Body Mass Index will always result in an expensive premium all other things being equal. The more extra weight you have for your height and sex the higher your BMI rating will be. And don't think that you'll get savings only when you lose 50 pounds, just losing a few pounds will lower your rates provided it lowers your BMI rating.

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2. Although most people know that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. For example, you will attract a more expensive premium if you chew or snuff tobacco.

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

3. Take it or not, the way you drive can affect your California health insurance rates negatively. Being convicted of traffic offences isn't just bad for your car insurance rate it also has an effect on your California health insurance rates. The simple reason is that if you are such a driver, you will more probably require medical attention for crash related injuries than a very cautious driver.

You'll reduce your costs if you develop a the right attitude behind wheels. Sports cars and super bikes will increase your rates because they make you a bad risk. This is because they are more likely to make you need medical attention because they have a higher risk of accidents.

4. Don't get shortchanged by the cheapest rate as you shop for affordable California health insurance. What you want is not merely the lowest quote but that which offers the best value for its price. If the lowest price offers everything that is of value to you, then choose it. But be ready to pay slightly more if necessary to buy adequate coverage.

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5. If you are the type that is hardly ever ill you'll save a lot by buying catastrophic California health insurance instead. For people who do not know what it is, it's a kind of policy that caters for you if you fall ill suddenly or get involved in an accident.

The most outstanding benefit of this policy is where sudden ailments or accidents result in huge bills that could at best be called catastrophic. That's the reason it's protection against catastrophic illness or accidents. The premium paid for catastrophic California health insurance is really inexpensive.

However, the deductibles are generally as high as $2,000 but they are certainly worth it because you hardly fall sick and are getting coverage in case a catastrophic illness or accident happens.

6. A Flexible Spending Account is invaluable in your quest to make massive savings. It's a type of savings account where you can save tax-free dollars for your health care needs. Any amount not used could be carried over into the next year (still tax free). This offers you a tax free way of building big reserves of funds to cater for your future health needs.

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7. Quit drinking if you want affordable rates. Drinking increases your health risk.

Drinking is the root cause of many health conditions and that is apart from the fact that it will also increase your risk to California health insurance carriers.

What quantity of alcohol would have a negative effect on you as a person? I cannot really say as there are people who can take a bottle and still be okay while some will take just a sip and things start going wrong.

But here is what I'm sure of: Quitting alcohol in its totality will do you much good. For those who cannot abstain completely, try to drink in moderation.

But I'm told it is harder to drink in moderation than it is to give it up totally. You can get help if you truly want to quit drinking.
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