Florida Health Insurance -- 7 Ways To Reduce Cost

Are you interested in sure-fire steps to enjoy inexpensive rates for coverage that won't compromise you? If this is true about you then read through this write-up for proven tips...

1. People with excess weight attract far more expensive rates than those with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to an insurer.

A high Body Mass Index will always get an expensive premium all other things being equal. When your BMI rating is high it simply means that your weight is too much for your height. Now do not wait until when you can lose thirty pounds since losing as little as five pounds can drop you into a lower BMI rating which will result in lower rates.

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2. Despite the fact that a good number of insurance prospects know that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. For instance, you will get a higher rate if you chew or snuff tobacco.

Therefore, for your health and lower rates, quit using any tobacco product.

3. Believe it or not, the way you drive can affect your Florida health insurance rates negatively. Speeding tickets and other traffic offences can effectively add to your Florida health insurance premium. This is because you will make yourself a worse risk to your insurer.

Improving your driving records and developing a good driving habit will reduce your rates. Super-fast automobiles like fast muscle cars and super bikes will make you pay a more expensive Florida health insurance rate. The simple reason remains that you raise the chances that you'll make claims soon.

4. While looking for affordable Florida health insurance it's very important that you don't become carried away by just the most affordable rate. What you want is not just the lowest quote but the quote that represents the best price to value ratio. Based on a number of factors, you can get very low rates that include the value you want if you shop extensively. However, if you are asked to pay little more for the right coverage, then do so.

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5. If you are the type that is hardly ever sick you will save a lot by choosing catastrophic Florida health insurance instead. For those who might not know what it is, it's a kind of policy that provides coverage if you fall sick suddenly or are involved in an accident.

The best part of this policy is usually appreciated in situations where an ailment or accident makes the patient incur very high medical bills that would otherwise wipe out most people's life savings. That's the reason it's protection against catastrophic ailments or accidents. They can be bought at very cheap rates.

Nevertheless, the deductibles are normally as high as $2,000 but they are definitely worth it considering that you hardly fall sick and are protecting yourself in case a catastrophic illness or accident strikes.

6. There's a special type of savings account called the Flexible Spending Account. It is a kind of savings account where you can save tax-free dollars for your health care needs. You can as well roll over any money you didn't use in a year to the next tax-free. With this you can eventually save a considerable amount to meet your health needs.

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

Drinking is the root cause of a good number of ailments and that is apart from the fact that it will also add to your risk to Florida health insurance companies.

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

What I do know is that avoiding drinking completely is very safe. If you cannot stay away totally, drink responsibly if you want to bring down your risk to insurers.

It's just that for most people drinking responsibly is even more tasking than total abstinence. Seek help if you want to give up alcohol. There are groups that help alcoholics quit drinking.
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