Lower Health Insurance Rates: 17 percent of the American population does not have any type of health insurance. This is culled from a report by the American Census Bureau. And this would have been worse if not for group health plans that have made health insurance possible for a good portion of those who have it.

However, the sum of Americans not having health insurance may probably increase due to the fact that most people are finding it too costly to provide their staff with health care benefits. Health care cost is increasing and a few of them can simply remain profitable with such additional financial strain.

Consequently, if most people who currently enjoy group health plans are to continue having health insurance, then they would have to buy individual health insurance plans. And since it will naturally cost so much to get individual health insurance, savings tips on health insurance would be seriously appreciated. Let's see some tips to lower your individual health insurance premium.

1. Lower Health Insurance Rates: Smoking will make you pay very high health insurance rates. It is a sure truth that smokers are prone to various health conditions and that they also die young.

If smoking causes certain health problems, then it makes a person a high health insurance risk and that calls for higher rates. Once you stop smoking for about twelve months inform your present insurer or reapply to some other insurer and you will see a considerable reduction in your health insurance premium.

2. Lose weight and your health insurance premium will be lower. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.

A high BMI will always attract an expensive health insurance rate all other things being equal. Your weight is too much for your height and sex if your Body Mass Index is high. Put more effort into shedding excess weight since dropping even a few pounds could give you another BMI rating which means cheaper rates.

3. Lower Health Insurance Rates: Buying your health insurance from the same insurer who provides your other insurance policies will get you a discount. it's called a multi-policy discount.

Although it pays to take advantage of a multi-policy discount, you may realize much more savings by buying your various policies from various insurers.

I advise that you use a minimum of three quotes sites as it will make it less likely that you'll miss out offers not presented by the other sites. This offers you a broader basis for doing better comparisons thereby increasing your chances of getting more for less.