How to lower costs?

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PostPosted: Thu Mar 06, 2014 9:50 am   Post subject: How to lower costs?  

I don't make enough money every month but my family needs a health insurance policy. I smoke. Will this affect my health insurance premiums? What are the ways in which I can reduce my health insurance premiums?


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Dori
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PostPosted: Sat Mar 08, 2014 1:01 am   Post subject:   

Have you tried talking with a local agent or broker? There is far more information needed to be able to give you an answer that meets your requirements. And that personal information does not need to be discussed in an open forum such as this.



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PostPosted: Tue Oct 14, 2014 2:17 pm   Post subject:   

You must talk to your insurance agent there are having many policies who will allow you to take some low cost policies.

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PostPosted: Tue Nov 18, 2014 10:23 am   Post subject:   

With health insurance it is not always the case, some insurers choose to rate by smoker status while others do not require you disclose this information. This is one of the key reasons why it is important to request options from a range of insurers as the way in which insurers underwrite their products differ. One insurer may provide more preferable rates for a younger individual who smokes while another may be more competitive for a fit and active individual moving towards retirement.

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PostPosted: Tue Nov 18, 2014 2:46 pm   Post subject:   

Quote:
some insurers choose to rate by smoker status while others do not require you disclose this information.
You obviously have not read the PPACA. Under that federal law, tobacco users can be required to pay up to 50% more than non-users. However, a number of states, such as California, have eliminated premium differences due to tobacco use.

As for underwriting of health insurance, that is a thing of the past. All health insurance in America is now guaranteed issue. In your country, it might be different. I'm not so sure you are in San Jose, CA as stated. You're not a licensed insurance agent under the name Lena Reyer.


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PostPosted: Thu Nov 20, 2014 8:08 am   Post subject:   

Smoking can be the serious reasons for

Cancer (especially lung cancer)

Heart disease

Hypertension

Stroke

Emphysema

COPD, etc...

It can be also a reason for illness. It will also make an effect on the premiums of health insurance. You may need to pay, pay 15-20% high insurance premiums.



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PostPosted: Sun Nov 30, 2014 6:10 pm   Post subject: Low cost options  

Without getting too personal You should look into the government plans and the available subsidies you might be eligible for. Since we all have to have health insurance in 2015 (yes there are some exceptions) or pay a fine we all have to be savvy consumers. You'll need to do some number crunching and comparison shopping to find a plan that will fit both your families needs and checkbook.

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