ArticlesBase.com - Free Articles Directory
Free Online Articles Directory
08.10.2008 Sign In Register Hello Guest
Email:
Password:
Remember Me 
forgot your password?


5 Things You Can Do to Lower Your Health Insurance Costs

Author: Christine OKelly Author Ranking Silver | Posted: 10-12-2007 | Comments: 0 | Views: 17 | Rating:  (50) Article Popularity - Green (?) Got a Question? Ask.
Sign Up Now!

According to the most recent Census Bureau survey results, 45.8 million Americans do not have health insurance! Of those, 60% of people have full time jobs and 3.5 million of those people earn more than $75,000 per year. Many people who do not have access to group health insurance plans, such as the self employed, are taking their chances without insurance because they fear the high cost of personal health insurance plan costs.

While health insurance is an added expense, the cost of just one major injury can far exceed the cost of any annual health care plan.

Health insurance doesn't need to be ridiculously expensive. Being self employed, I faced the same dilemma when I sought out a personal health insurance plan. To find out how I could save money, I interviewed insurance agents to find out what steps I could take to reduce my monthly health insurance costs.

In this article, we'll look at 5 simple things that everyone can do to dramatically lower their health care costs.

Maintain a Healthy Weight

Keeping your weight within an average range for your age and height can help you qualify for the best health insurance rates. Being morbidly obese can cause health insurance rates to increase by 7 times the quoted rate.

Don't Use Tobacco

Tobacco use of any kind, including chewing tobacco can increase your health insurance rates by 30%! The fact that tobacco use causes such a significant increase is a testament to its inherent health risks. Not only will quitting smoking or using chewing tobacco improve your health drastically, it's an instant way to reduce your health care costs.

Control Type II Diabetes

Those with Type II Diabetes automatically receive a 30% increase - and that is with a healthy A1C. Those with an unhealthy A1C often pay even more. In a majority of cases, controlling weight and eating right can eliminate Type II diabetes.

Find Natural Ways to De-Stress

Dependence on anti-depressants and anti-stress medications are automatic health insurance rate increases. Stress related illnesses are one of the driving factors of health care costs. Instead, try exploring natural ways to reduce stress and anxiety such as lifestyle changes, yoga, and meditation.

Lower Cholesterol

Risk factors of heart disease such as high cholesterol can significantly increases rates. Exercise, healthy eating, and monitoring your cholesterol can help you to reduce your risk of heart disease.

Rate this Article: Current: 0 / 5 stars - 0 vote(s).

Article Source: http://www.articlesbase.com/finance-articles/5-things-you-can-do-to-lower-your-health-insurance-costs-279240.html

Print this Article Print article   Email to a Friend Send to friend   Publish this Article on your Website Publish this Article   Send Author Feedback Author feedback  
About the Author:

Christine O'Kelly is an author for NC Health Insurance agency IBD Insurance Services, an authorized agency for BCBSNC. The company is passionate about its goal to provide individuals and businesses with the most options for affordable health care in NC.

Submitting articles has become one of the most popular means of generating quality backlinks and targeted traffic to your website. Join us today - It's Free!

Article Comments

Comment on this article Comment on this article
Your Name
Your Email:
Comment Body
Enter Validation Code: Captcha


Related Articles

3 Creative Health Insurance Plans for Small Businesses
By: Christine OKelly | 13/11/2007 | Health

Pay Bcbsnc With a Credit Card?
By: Richard Day | 04/09/2008 | Finance
Free Finance articles for use on your Finance related website. Find articles of the subject of Finance

Got a Question? Ask.

Ask the community a question about this article:

Q&A Powered by:
Powered by Yedda 

Latest Finance Articles

Stock Market Advice - Be Careful Who You Listen To
By: Bruce Lipski | 08/10/2008
You can get stock pics almost everywhere including magazines, TV shows, radio shows, The Internet and probably many other places as well. One thing is for sure, there is no shortage of opinions.

Learning Proper Money Management For College Students
By: Jamie B. McIntyre | 08/10/2008
It is tempting for college students to just throw caution to the wind and enjoy life as it comes. I mean, you are only young once and there are so many things to enjoy while you at that age when you are totally energetic and feeling full of excitement and...

Off Shore Incorporation In Ras Al Khaimah Is The Quickest In The Middle East
By: Ramapati Singhania | 08/10/2008
Off shore incorporation in Ras Al Khaimah [RAK], one of the fastest growing emirates in one of the fastest growing economies of the world - the United Arab Emirates [UAE] is the easiest to do in the Middle East.

BVI Offshore Registration: All That You Need To Know To Get Started
By: Ramapati Singhania | 08/10/2008
BVI offshore registration is certainly cheaper than Lichtenstein or Luxembourg and extremely popular. More than 6,500 companies are incorporated in this jusrisdiction every month!

The History of the Global Forex Market
By: Orlando Thompson | 07/10/2008
In this article we explain what the global forex market is and how it came to be this is very insightful information that will help you in your forex trading system choices.

How To Go About Improving Your Credit Score
By: MIKE SELVON | 07/10/2008
While it'd be nice to live a "credit-free existence," it can be difficult to do so in today's world.

Self Directed IRA Possibilities With A Small Business
By: Jerry Glynn | 07/10/2008
It is normally not possible to set up a self directed IRA with a small business. This article describes a little known strategy that can be used in conjunction with a small business.

Understanding Debt Consolidation Loans
By: Richard Greenwood | 07/10/2008
It can be all too easy to end up in debt and especially during the current times of financial uncertainty you may find yourself unable to make repayments. Consolidating your debt can make your debts easier to manage and lower your interest charges meaning you become debt free faster.

More from Christine OKelly

Smart Tips For Using A Hydraulic Vehicle Lift
By: Christine OKelly | 06/10/2008 | Cars
Casual and professional mechanics use a vehicle lift for a variety of different auto repairs and maintenance. There are several things you can do when working with truck lifts to make sure they are used safely.

Introduction To Root Canal Therapy
By: Christine OKelly | 06/10/2008 | Health
A root canal is performed to clean the infected area of a decaying tooth. This article briefly describes when the procedure is necessary and what to expect.

Interesting Industries That Use Disposable Shoe Covers And Why
By: Christine OKelly | 05/10/2008 | Careers
Healthcare, industrial, and the chemical industries use disposable shoe covers, but they aren't the only ones. This article discusses three types of businesses that most people don't think of when it comes to Tyvek shoe covers.

Find The Best Equipment Financing Option By Recognizing Five Key Components
By: Christine OKelly | 05/10/2008 | Finance
While equipment financing options and companies may seem the same, the differences between them can make a significant difference on your business. Five factors need to be in place in order to find the best equipment leasing for you.

Five Design Traits Found In The Ideal Closet
By: Christine OKelly | 05/10/2008 | Finance
The perfect closet needs to satisfy five requirements in order to make using it enjoyable and efficient. This article helps you discover what those components are.

Apartment Rental Tenant Screening - A Property Manager Can Tell The Good From The Bad
By: Christine OKelly | 05/10/2008 | Finance
A property manager is responsible for screening tenants for an empty apartment rental to ensure the home is profitable and as easy as possible to look after. This article details some of the steps that go into determining whether an applicant is a good or bad choice.

Three Common Myths About Investing In Fine Art
By: Christine OKelly | 03/10/2008 | Finance
Many people overlook art as an investment because they feel they are less valuable than traditional financial investments. This article dismisses three common myths of fine art.

Sedation Dentistry Offers Dental Health To Those With Dental Anxiety
By: Christine OKelly | 30/09/2008 | Health
Sedation dentistry calms the nerves and anxiety of dental patients. This article explains the techniques involved in sedation dentistry.

Article Categories






Give Feedback

Sign up for our email newsletter

Receive updates, enter your email below