Driving Down the Cost of Individual Health Insurance

Let’s start with tobacco. Smoking or use any tobacco products creates health problems so you should expect to pay more for your individual health insurance.

Being overweight is a serious problem, part of your individual health insurance monthly premium is based on your Body Mass Index (BMI ). Losing even just a little weight can save you hundreds of dollars per month.

Increasing your copay will greatly reduce your individual health insurance premium. This is a great tactic for consumers who do not see doctors on a regular basis.

Furthermore, the higher your deductible the lower your monthly individual health insurance premium will be.

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