With the cost of health insurance rising, people are looking for ways to get their quote to be lower. There are several factors that insurance companies consider when giving you a price quote for coverage. Most companies look at your past medical history, current or potential health conditions and the type of policy you are looking to get. In order to lower the quote for your coverage there are a few simple things you can do prior to calling or applying for a quote.

Quit Smoking

If you are a smoker, you probably know the health risks of your habit. Insurance companies see each of those risks as money coming out of their pocket. Smokers are then charged a higher premium for the same coverage as a non-smoker. A simple way to lower your health insurance quote is to quit smoking prior to applying for coverage. Depending on how far in advance you quit smoking will determine how much lower your quote will be.

Choose a Policy That Fits Your Needs

If you are a typically healthy individual who rarely gets so much as a cold, you probably don’t need a policy that covers every item at a hundred percent. You may be able to purchase a policy with a higher deductible or slightly higher copayment in order to save money on your premium. This type of policy is best suited for individuals or couples who do not have children. For more information on types of policies visit http://www.healthinsurance.net/ .

Live a Healthy Lifestyle

If you know you are at risk for high blood pressure or cholesterol, the best thing you can do to lower your quote and better your own health is to avoid all things that may increase your chances of developing these health problems. Insurance companies will usually require a physical so by living in a way to decrease the risks of these conditions, you will have better results on your physical and thus a lower quote.

Lose Weight

Overweight people, like smokers, pay a higher price because the insurance company sees you as a risk to their profits. If you are looking for private insurance outside of your employer, it is important to know what your healthy weight is. There are many ways to find out this information, you can look online for a height weight chart or speak with a trainer at your local gym if you are a member. Once you know your ideal weight, you should strive to get as close to it as you can before applying for a health insurance quote.

Avoid Insurance Companies With No Physicals

There are several health insurance companies that do not require a health screening nor do they reject anyone. These companies generally charge higher premiums for less coverage. They were created for those who were denied by traditional insurance companies as a way to still obtain medical coverage. Because they don’t turn anyone away they are then forced to make up the difference by charging each customer a higher fee than traditional companies in order to still make a profit.