In Arizona, the best way to save money on health insurance is to live a healthy life. When you shop for insurance, you will have to fill out a company questionnaire. It will ask you a lot of questions that will help the underwriters figure out how much of a health risk you are and how much to charge you for that risk.
They will look at the following:
- Weight: It will be hard to get insurance if you are overweight or have a Body Mass Index (BMI) of more than 39. If you do find an insurance company that will cover you, they will charge you more. Keep your weight in check to get the best rate. When it comes to how much your health insurance costs, things like working out and eating right will help you.
- History of your health: Have you always been healthy, or have you been in and out of the hospital for different reasons? If you've had a stroke in the last 10 years, it might be hard to get insurance or you might have to pay a much higher rate.
Do you smoke? People don't like people who smoke, so if you do, you'll have to pay a higher rate.
- What do you do to make a living? Manual labour jobs outside are much more dangerous than desk jobs. The rate goes up the more dangerous the job is.
- Age: Older people are more likely to file health claims than younger people, according to statistics. When you look for health insurance, your premium rate will be better if you are younger.
Don't give up if you're not in perfect health or if you already have a condition that an insurance company won't cover. Ask the insurance company if they have a rider that will keep the pre-existing condition from being covered. To get the best rate, you have to think outside the box sometimes.
