Florida Healthcare Insurance -- 7 Tips To Reduce Cost

Would you appreciate cheap rates for sufficient coverage? If so, the following recommendations will go a long way in helping you reach that goal...

1. That excess weight is costing you a lot in Florida health insurance. An insured's Body Mass Index (BMI) is a serious factor that affects what a person pays as rate.

If your Body Mass Index rating is high, your rates will be high. The more overweight you are for your height and sex the higher your BMI rating will be. Now do not wait until when you can lose 30 pounds since shedding five pounds can drop you into a lower BMI rating which will result in lower rates.

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2. The use of tobacco in any form will add to your rates. For instance, you'll get a higher premium if you chew or snuff tobacco.

So, you'll help yourself get cheaper rates if you avoid tobacco use in any form.

3. Take it or not, your driving culture can affect your Florida health insurance rates negatively. If you have many speeding tickets or a record of street racing you'll pay much more. The simple reason is that if you're such a driver, you will more probably require medical attention for injuries than a very careful driver.

Hence, good driving does not only save you much in your auto insurance, it also helps you get lower rates in Florida health insurance. If you use a fast muscle car or super bike, you'll likely pay a huge sum for Florida health insurance. The higher likelihood of a crash means you could be wounded and have to make a claim.

4. A cheap rate is is desirable but be certain that you don't become led astray by making it the only factor. You need to focus on getting a low rate that also gives the right value. Based on a number of factors, you can get really low rates that include the quality you are after if you shop well. But be willing to pay slightly more if required to get adequate coverage.

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5. Go for catastrophic Florida health insurance rather than a regular plan if you rarely fall sick and you'll get more affordable rates. For those who do not know what it is, it's a kind of plan that caters for you if you fall sick suddenly or get involved in an accident.

The most outstanding benefit of this policy is where sudden diseases or accidents result in huge bills that could at best be described as catastrophic. The name certainly does give an idea of what it provides coverage against. Catastrophic Florida health insurance premiums are usually very affordable.

What are generally high are the deductibles which can be as much as $2,000. But bearing in mind that you are getting coverage from accidents or health conditions that would make you spend tens of thousands of dollars such deductibles are not quite that high -- Relatively.

6. A Flexible Spending Account helps you in your quest to save. You can keep tax-free dollars to cater for your health needs. You can also carry over any money you did not use in one year to the subsequent year tax-free. With this you can actually have a reasonable amount to take care of your health needs.

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7. You can reduce your rates by not drinking alcoholic beverages. Taking alcoholic beverages makes you a bigger liability and therefore gets you higher rates.

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

How much alcohol would have a negative effect on you as an individual? Honestly, I don't know.

What I know is the fact that quitting alcohol use is would help a lot. If you can't stop drinking totally, drink in moderation if you want to reduce your risk factor.

But I am told it's 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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