California Healthcare Insurance -- 7 Tips To Reduce Cost

Do you want cheap rates for the right coverage? If so, the following suggestions will go a long way in helping you reach that goal...

1. Reduce you weight and your premium will reduce. Your BMI or Body Mass Index is a very important factor used to define your risk to an insurer.

The higher a prospect's BMI rating, the more expensive their rates will be. You're overweight for your height and sex if your BMI is high. Now do not postpone it for when you can lose thirty pounds because shedding as little as 5 pounds can reduce your BMI rating which will result in cheaper rates.

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2. It is now generally understood that smoking will attract higher rates. What many might not understand is that the same also applies if you use any other type of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher premiums.

Staying clear of all tobacco products will help you get more affordable California health insurance.

3. If you drive recklessly then expect to pay expensive California health insurance rates. If you have many charges on rough driving or a record of street racing you will spend much more. This is because you'll make yourself a worse risk to your California health insurance provider.

Improving your driving records and developing a good driving culture will lower your premium. If you use a fast muscle car or super bike, you will likely pay a huge sum for California health insurance. The higher likelihood of an accident means you could be wounded and have to make a claim.

4. A cheap premium is good but be certain that you don't become beclouded by focusing on it. You need to focus on getting a cheap quote that also gives the right value. If the lowest price has all that is of value to you, then choose it. But be willing to pay a little more if required to buy adequate coverage.

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5. Settling for catastrophic California health insurance coverage will help you save substantially in California health insurance and is your best bet if you are the consistently healthy type. This type of policy takes care of you if you suddenly fall sick or are involved in an accident.

You'll generally love this policy if you ever need to pay huge bills due to sudden diseases or accidents. The name surely does give a clue of what it protects against. They come at very affordable rates.

However, take note that it has deductibles that are as high as $2,000. Notwithstanding, you'll be glad to contribute that little if your medical bills total as high as $50,000. This is where this plan truly shines.

6. A Flexible Spending Account is helpful as you look for ways to reduce your spend. It is a type of savings account where you can put tax-free dollars for your health needs. Any amount unused could be rolled over into the next year (still tax free). You can build a large reserve of money for your health needs tax-free if you have a Flexible Spending Account.

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

Many health conditions can be traced to drinking.

How much alcohol would be harmful to you as an individual? I cannot advise you on that since I am not an expert on such issues.

What I'm sure of is the fact that quitting alcohol use is good for you. So you can lower your rates (Apart from reducing the likelihood of developing certain ailments) by staying away from alcohol if you can or drinking responsibly if you can't.

But I am told it is harder to drink in moderation than it is to quit. There are organizations that are out to help alcoholics quit drinking. Simply look for them.
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