Ways To Lower Your Health Insurance Payments At this day and age, it would be a joke to travel, drive and even work without health insurance. Your health coverage on your insurance dictates what plan you are entitled to and as a general rule of purchasing any kind of insurance, the more expensive it is the more coverage you are expected to get. But do you know that you can lower your insurance premium to make insurance payments fit your everyday budget? If you donâ€™t have insurance or plan to get insurance in the future, here are some tips to make paying for health premiums lower. Shop around for lower insurance costs and premiums by checking various insurance company websites or talking to insurance representatives. You will be given a sample quote on what to expect in a health plan or insurance plan together with the expected cost of your coverage. By shopping around, you will surely find the best deal that could work with your individualized budget plan. You may want to consider raising your deductible which is the money that you are willing to dish out should you get sick or meet an accident and you need to use your insurance. Typically, when you raise your deductible, your premiums reduce however, you need to be extra careful since you will have more out of-pocket expenses when you get sick or is you need to use your insurance. Donâ€™t take additional risks on health and in your safety. Avoid activities that can ultimately lead to illness and accidents. Sports and hobbies that are very hazardous to your health and safety should be totally avoided like skydiving, bunjee jumping, skiing, race car driving, etc. When you stay safe, you will significantly avoid paying for very high premiums on your health coverage. And aside from avoiding reckless activities, you must also do a thorough lifestyle check; stop smoking, drinking alcohol and abusing medications so you can avoid getting sick and paying for higher premiums. Insurance quotes often ask these simple questions and smoking, alcoholism and other health risks can raise red flags causing you higher premiums than what you should be paying.