Tips to get the best health insurance rates!

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Health insurance is something everybody needs to have. You never know when you will get sick or any of your children will get sick. The best option everyone has to getting cheap health insurance is to buy it early in their life. In fact if your parents had the great idea of buying health insurance for you it is probable and practical that you keep the same plan and separate it from your parents plan. They will have all your medical history and will give you a better deal than another company that does not know you at all.

If you smoke or drink it is best to quit before trying to buy health insurance for you and your family. Smoking cigarettes and drinking alcohol will definitely not help when you are negotiating an insurance rate. Your weight and general health should also be within reasonable limits so you are able to negotiate. Even if your health is not great, you could use your wife and kids as bargain chips. Getting a good discount on them with definitely lower your over all payment.

If you are in good health and don’t smoke or drink and are not overweight you will definitely be able to negotiate a good rate with your insurance company. A word of advice though, do not worry too much about the money, concentrate more on the coverage you and your family will get for that money. A couple of quotes in hand will always put the insurance people in a negotiating mood, so stay on top of their game. You have many options, you have the cards in hand they must negotiate to accommodate and get you to sign.

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