Most people these days have given up hope of getting a health insurance policy because of the incredible strain this recession has had on all of our pocketbooks so most people simply will do away with all non essential items from their budget and unfortunately most of us feel that health insurance falls under this category.
Before giving up totally on getting insured, why not think about some of the ways that you can lower your monthly rates on a new policy.
Here we will give you some tips on doing this and also saving some money on some of the expensive nasty habits most people still have these days.
Stop smoking - with a pack of cigarettes costing between $7 - $10 why not just work on getting rid of this nasty habit as it seems that tobacco companies are trying to get people addicted to smoking by spiking the cigarettes with nicotine.
Kicking this habit alone should you healthier to the point of getting a lower monthly rate from a health insurance company.
Another great tip that will not only lower your rates but also save you from getting into car accidents is to lower or do away with the amount of alcohol you drink.
This is another non-essential habit that most people do not really need during a recession.
Make sure that you start to get your annual physical checkup so that you get a clean bill of health and any potential health problems can be spotted early enough for you to do away with them asap.
Now that you have taken all of these tips and are on your way to a healthier lifestyle, its time for you to look for the best rates possible, which means going online.
Most online health insurance companies and their middle men can get you a great deal on your policy simply because by going online they have eliminated a lot of their expenses and they can therefore pass those savings down to you.
The fact that you are now much healthier after kicking those nasty habits to the curb means you will get an even bigger discount then ever before.