Health insurance is a broad topic. The word best is a subjective term. How to get the best health insurance is a matter of perspective. There are many different factors that lead to defining the best health insurance for each person. Sadly, there is not a magic answer that covers everyone at every moment.
What Is The Best Health Insurance?
The best health insurance is simple to define and sometimes hard to find. In short, the best health insurance is the cheapest premium coupled with the most comprehensive insurance coverage.
The goal of having insurance is to be as covered with its protection as you afford to be. This means finding an insurance plan that is affordable and yet has a wide enough coverage area to cover the unforeseen.
Factors That Affect Health Insurance Premiums:
Gender: Gender is a significant factor that affects the rates of health insurance. Gender, however, is usually not so much important except where maternity coverage may be needed. Then gender plays a significant role in determining premium rates. There is some trend information that separates women from men.
This is true especially as we age. Certain diseases affect men, women or both sexes at periodic intervals on the age scale. Women over 50 are prone to breast cancer, menopause, etc. Where men over 50 may have prostate issues, stroke or heart disease.
Age: Age is also a significant factor in determining health insurance premiums. Age is a reflection of health and how we live our lives impacts how we age. Health is a collective picture of our lives as a whole. Health insurance is based on risk.
The older we, become the more likely something may go wrong with our bodies. Age increases risk and therefor increases premiums.
Alcohol, Tobacco, Diet and Exercise:
Whether or not you consumer alcohol and in what quantities has a direct impact on health insurance premiums. Tobacco use will pretty much raise the premium rate by as must as a third.
What you eat and how you eat are two factors that can help to lower or raise health insurance premiums. Eating a good diet is beneficial and insurance carriers consider it a reduction in risk if people eat healthy diets.
Disease such as diabetes, heart disease, and organ damage can be Exercise is also an attribute of daily living that can help to reduce health insurance. Combining healthy eating with exercise is a sure way to be able to lower health premiums.
The test of the market comes in what the health insurance industry calls your true age. The true age formula combine all of these attributes together and determines how old your body is based on the way you treat it. It may come up as being younger than your age or older.
The Best Health Insurance is finding the most comprehensive coverage for the best price. How to get the best health insurance price comes down to how you take care of yourself. Health Insurance is one of those things that we hope we never need and pay out the nose for because we might need it.
The market is going to be more limited as we get older and the price of insurance will go up. It is a good idea to think towards the future when you think about health insurance today. Add in coverage that may cost a great deal more while you are younger so that you can offset the cost over the course of your life time. The key is to take care of yourself now. The two elements that drive up the cost are alcohol and tobacco. The two elements that can help reduce costs are eating healthy and exercising regularly.