1. Low Cost Health Insurance: How much are you willing to contribute to payments for seeing a doctor? This is referred to as your co-pay. Your health insurance premium will be more affordable if you opt for higher co-pay. This is highly recommended for people who hardly have to see a doctor.

2. Professions that are regarded as hazardous attract higher health insurance rates. Changing over to a non-hazardous profession will bring down your health insurance rate by a good margin. If your profession exposes you to dangerous chemicals, for example, your health insurance rates will be much higher than that given to a similar profile who probably works as a cashier in a bank.

3. Low Cost Health Insurance: It pays to continue with the same insurance company. Some insurance providers will give you discounts of around five percent once you stick to them for over three years while others will give you discounts for staying up to 5 years. A longer stay will attract bigger discounts. However, you may gain more by switching.

Say, for example, that your health insurance premium with your current insurance provider is $2,500 you'll get a discount of about 5% or $125 if you stay for at least three years.

However, because of the rising cost of health care and inflation, insurance companies may have to make adjustments in their rates to contain those changes. And, in nearly all cases, most folks can actually pay a lot less than they are currently on health insurance if they do thorough shopping.

4. Abstain from smoking if you plan to get inexpensive health insurance. It's a well known truth that smokers are vulnerable to many health conditions and that they also die young.

This raises their risk to a health insurance carrier and therefore raises their rates by a huge margin. Once you stop smoking for up to twelve months inform your present insurer or reapply to another insurer and you'll see a remarkable slash in your health insurance premium.

5. Low Cost Health Insurance: That extra weight is costing you more in health insurance. There's something called Body Mass Index (BMI). It is used to determine a prospect's health insurance rates.

A high Body Mass Index will always result in an expensive health insurance premium all other things being equal. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Now don't postpone it for when you can lose 30 pounds since losing five pounds can drop you into a lower Body Mass Index rating which will result in more affordable health insurance rates.

6. Buying your health insurance from the same insurance company that provides your other insurance policies will get you a discount. This is called a multi-policy discount.

However, the total money you may get as discount may still pale into significance if weighed with savings you will make by getting your policies from several insurance companies.

7. Low Cost Health Insurance: Comparison shopping could enable you save thousands in health insurance. You can get quotes that will have a difference that exceeds $2,000. Therefore, get and compare health insurance quotes from five or more quotes sites.