- 1). Achieve a healthy weight before applying for an individual health insurance plan. Most insurance companies offer lower rates to those who are within a healthy weight range. Your doctor can help you determine your ideal weight range and a plan to lose weight if necessary.
- 2). Discuss with your doctor any medications that you are taking. Is any of them not really necessary for your health or well-being? If you are on a lot of medications, a health insurance company will charge you higher rates.
- 3). Stop smoking if you smoke on a regular basis. If you do not smoke, this is in your favor. Insurance companies offer lower premiums to people who do not smoke or who have not smoked in several years.
- 4). Maintain a healthy lifestyle. Companies prefer to insure people who are in good health. If you are eating well, exercising and do not drink alcohol to excess, you are more likely to be in good shape and good health.
- 5). Use the Internet to search for health insurance quotes from multiple providers. You can find the lowest rates by comparing offers from more than one company. Find the company that offers you the ideal coverage at the best premium price.
- 6). Consider giving up some of your risky hobbies. If you participate in activities that the insurance company considers dangerous, such as race car driving, skydiving or mountain climbing, the company might not want to offer you insurance or might charge unaffordable rates. Decide whether you are willing to put some of your risky hobbies on a back burner to save money on health insurance.
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