Most of us will go to the very limits to ensure that we give our family the very best. However, if we could find a way to give them the very best for far less, we’ll be very happy. That’s what this article is all about. Use these tips here and you’ll lower your family health insurance premium.
It is important to bear in mind that your rates are determined based on the risk an insurer associates with insuring you. Your risk to an insurance company is based on certain factors. Some of these factors are such that you can really do little or nothing about. However, some of them are also within your power. Those are the type I’ll talk about here.
1) You’ll pay higher rates if you have a smoker or smokers in your household. Smokers do not only pay more, they expose members of their households to more health hazards. This is because children who are constantly exposed to second hand smoke are much more likely to develop certain health conditions.
Although this may not affect them immediately, the effects will become more obvious with time. And if they do develop health conditions that are consequences of second hand smoke, your family health insurance rate will be affected negatively.
So you can see that if every smoker in your house quits you’ll pay lower rates.
2) A first aid box is another thing that can help your rates. It’s cheap but very useful especially where there are kids — It can help reduce fatalities.
3) You can also lower your rate by removing your college kids from the family plan as they have health insurance programs that are designed specially for them.
4) Get and compare family health insurance quotes from many sites. Visit at least three insurance quotes sites if you want to increase your chances of getting massive savings. That will require only a little extra time investment. It takes just between 3-5 minutes per site.
