Tuesday, June 12, 2007

Health Insurance - Practical Ways To Reduce Your Family Health Insurance Premium

By Chimezirim Chinecherem Odimba

You love your family and so provide the best health insurance you can afford. However, you could use some savings if it does not expose your family. That's what this article is all about. Use these tips here and you'll shave off a lot from your family insurance premium...

First off, you must understand that the higher the likelihood that you'll make a claim, the higher the premium you'll be charged. While some of these are entirely out of your control, there are quite a few of them that are within your control.

It's a wise thing to stop every habit that increases your health risks. Let’s take smoking as an example. If you or your spouse smokes, you are considered high health insurance risks. Furthermore, you also increase the risk level of your kids by their exposure to second hand smoke. So you can see that quitting smoking will do a lot in lowering your health insurance premium.

Having and using a first aid kit at home will really help. This really shouldn't be an issue in this day and age. However, you must make sure your kids maintain basic health and hygiene rules.

If you have kids that are now in college, save yourself a bundle by removing them from your family insurance plan. This is because there are special health insurance plans just for college students. However, make sure you know what the exclusions are. For example, such programs don't usually cover pregnancy.

So take time to find out what's best for your kid. After doing that, or if you still prefer them on your family insurance plan, you can still get some massive savings by using health insurance quotes comparison sites. It only takes less than five minutes and for that you'll get as many as five or more quotes from "A "rated health insurance providers in your area.

All you have to do thereafter is simply compare their price/value. Please always remember to read the fine lines and ask all the questions you have before making a commitment or switching to another health insurance company or plan.

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