Medical Insurance

Medical insurance can be expensive, especially if people are older or they have a family history of a disease such as cancer, Alzheimer’s disease or heart attacks. These people are going to need to do everything they can to lower their medical insurance rates, otherwise, they will see their rates starting out high and increasing as the years go by.Stop SmokingSmokers are quoted higher rates than non-smokers because smoking has been found to be the cause of deadly diseases such as lung cancer and emphysema. Because smokers are susceptible to these diseases, they will be seen as a high risk for needing to use their medical insurance much more than a healthy person does. Insurance companies will set high rates for smokers because of this higher risk.

Lose Weight

Research has also proven that being overweight leads to chronic diseases such as diabetes and heart disease, another reason that insurance companies consider people to be a high risk for using their medical insurance. Decreasing their weight would show their medical insurance companies that they are making an effort to live healthier lives and will, therefore, make them less of a risk.

Live a Less Risky Lifestyle

Living a less risky lifestyle decreases the chances that people will be injured. For example, people who skydive may be at an increased risk for obtaining injuries and needing medical attention. Those who assure their medical insurance companies that they have given up their dangerous habits will be able to lower the cost of their medical coverage.

It would also be possible for people who have decided to curtail their dangerous habits to also be able to lower their auto insurance rates. Auto insurance companies also take into consideration a clients’ lifestyle, and doing risky things, such as skydiving, makes auto insurance companies believe that these people are a high risk for them. So in the process of lowering their medical insurance rates, they can also lower their auto insurance rates.

One common reason that people are given the high risk label is because they are new and inexperienced drivers. These people will have to wait at least three years before they will reach the ranks of people considered to be good drivers, but all it will take is time.