1. You'll get a lower rate for a group plan than you will for an individual plan. Therefore for those who have the privilege of using a group plan, it presents the avenue of paying lower rates than otherwise. The higher a risk your profile is the more you'll save if you can get health insurance through a group plan.

A group plan will help you make considerable savings if you have a health condition that makes individual health insurance either too costly or almost impossible to get. So using a group health insurance plan is an easy to get adequate health insurance coverage cheap.

2. You'll attract higher premiums just because your profession exposes you to hazards. Choosing a non-hazardous profession will reduce your health insurance premium by a good margin. If your profession exposes you to toxic chemicals, for instance, your health insurance rates will be much more than that paid by a similar profile who maybe works as a cashier in an office.

3. How much do you plan to contribute to payments for seeing your doctor? This is what is known as your co-pay in case you don't know already. Your health insurance premium will be cheaper if you choose a higher co-pay. This is seriously recommended for people who rarely go to visit a doctor.

4. Say 'No' to smoking if you plan to get cheaper health insurance. It's a sure fact that smokers are prone to various health conditions and that they don't live long.

It costs health insurance carriers much more to give health insurance to smokers because of their high risk. Once you stop smoking for up to twelve months tell your current insurer or reapply to some other insurer and you'll experience a considerable reduction in your health insurance premium.

5. A regular discount is another thing that will lower your health insurance rate. Using the same insurance company for at least 3 years will get you special discounts from many insurance companies. Maintaining a policy for longer periods will result in bigger discounts.

On the other hand, you could also gain more if you switch...

Say, for example, that your health insurance premium with your present insurer is $2,500 you'll get a discount of about 5 percent or $125 if you continue for at least 3 years.

If this is true about you then you know it's wise for you to go for the better offer immediately and not wait for years to qualify for a discount that won't even save you as much.

But believe it or not, most folks can pay far less with another insurer if they will only make out time to shop extensively..

6. That excess weight will make you spend more in health insurance. Your BMI or Body Mass Index is a very serious factor in calculating your risk to a health insurance carrier.

A high BMI will always result in a high health insurance premium all other things being equal. The more overweight you are for your height and sex the higher your BMI rating will be. Put more effort into shedding excess weight because losing even a few pounds could put you in another BMI rating which means lower premiums.

7. Getting your health insurance from the same insurance company that provides your other insurance policies will get you a discount in health insurance premium. It is called a multi-policy discount.

Although you can save a lot with a multi-policy discount, you may save more by buying your various policies from various insurers.

8. Make out some time to visit a minimum of three insurance quotes sites that provide quotes on health insurance policies.

The plain reason for this is that you will receive a greater number of quotes from many more insurance companies. This raises the probability of receiving better offers.