1. Did you know that your co-pay could cost you more than the cost of your drugs? There are also situations where it will cost you less if you don't use your insurance but buy a prescription out of your own pocket. In such instances, you will save more by choosing the routes that give you more savings. Always compare before you use your insurance.

2. There are people who are not eligible for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. A discount medical card is a good option for people like that.

A discount medical card makes you eligible to take advantage of a network of health care providers who are contracted to give card carriers medical services at a more affordable rate. These cards are not given by any health insurance carrier.

It is also a good option for those with a pre-existing disease that will disqualify them from most health insurance schemes or make them attract prohibitive health insurance rates. This type of card does not exclude anyone for any reason. All you need do is pay a small monthly fee and you will be eligible to use the services of a network of health care providers at a lower rate.

3. Deciding to be flexible about the doctors and health care facilities you can use will lead to cheaper rates. This is because you may have to restrict yourself to doctors and hospitals within a particular network in order to get certain low rates. You'd have to stop visiting your favorite doctor if he or she doesn't belong to that network.

If you see this as too much a sacrifice then you can't lower your health insurance rate this way. But as you're being flexible don't joke with the quality you get.

4. Being on the same health insurance policy could save you a lot and you should take advantage of it if you're married. Although this is true, it's not always the case. Therefore, check to see which is best for you.

This is because based on your details and health needs, you may be better off buying two different health insurance plans.

5. You will save by insuring your kids through state plans. There are often criteria for eligiblity.

These plans are usually either free or almost free. These state health insurance plans for children will save you a ton of cash if you have a child with a special ailment when compared to what you'd pay if you buy regular health insurance.

6. There is a special type of savings account known as the Flexible Spending Account. It is a type of savings account where you can put tax-free dollars for your health needs. Any money not used could be rolled over into the succeeding year (still tax free). This gives you a tax free method of building large reserves of funds to cater for your future health needs.

7. You will save a lot of money in health insurance if you obtain and compare health insurance quotes from insurance quotes sites. You will make savings if you use just one quotes site. But keep this in mind: you will get more by using at least five. The straightforward logic in this is that you will get many more health insurance quotes from many more insurers. This increases your chances of receiving better quotes.