Numerous statistics suggest that smokers are at an increased risk of developing health issues. Smokers were found to have higher hospital admission rates in comparison to non-smokers. Also, it has been observed that most smokers stay longer in the hospital for recovery. These findings clearly suggest that there might be a drastic health care cost difference between a smoker and a non smoker. Considering the increased health risks, most insurance providers charge higher premium on health insurance for smokers. In fact, smokers may have to pay as much as six times more premium on their health insurance policies in comparison to non smokers.

However, smokers shouldn't accept the increased rate without a fight because it's possible to find low cost health insurance for smokers. Even if you are an active smoker, there are many means through which you can save money on your health insurance policies. First and foremost, you are advised to obtain quotes from different providers to compare the premium and the coverage levels offered by the insurance providers. It's a must that you don't commit the mistake of hiding the fact that you smoke because insurers will eventually find out the truth.

Once you have gathered quotes from different companies, you can start negotiating with them for a better deal. It's a good idea to let them know that you have obtained quotes from other companies as well. This might work in your favor as the insurance company may get tempted to offer you lower premium to ensure that it does not lose your business. Insurance providers do offer occasional discounts on health insurance policies. Even if you smoke, you should take advantage of such discounts offered from time to time. Besides this, make sure to take care of your overall health by consuming healthy diet and by training regularly. This will help you minimize the health hazards linked with smoking, and in the process fetch you better rates on health insurance for smokers.

You will have to spend good amount of time to find the right insurance provider that offers affordable health insurance for smokers. Your best bet would be to quit smoking itself to enjoy good health and lower insurance premium. You may want to have a word with your doctor and other support system such as your friends and family members about your decision. More than often, assistance for near and dear ones comes really handy in helping individuals get rid of this hazardous habit. You can also let the insurance provider know about your decision and get regular health checkups done. Over a period of time, the insurance provider will most likely agree to drop the premium amount.