Take advantage of home delivery service for prescription medication. If someone in your family has a chronic illness or needs regular medication such as asthma, diabetes, or high blood pressure it might be beneficial for you to have it delivered regularly through a service that offers lower prices for regular home delivery.

Use generic prescriptions when you can. Generic drugs save consumers at retail pharmacies. They are FDA approved and generally as effective as brand named drugs with a much lower cost.

Know your doctors and have a good relationship with them. Whereas a trip to your doctor can cost only about $300 on average, a trip to the emergency room can be much more expensive. If you have a good relationship with your doctor they can often get you in more quickly if you need to see someone, that way you can avoid the high cost of going to the ER.

Know your policy. It is important to read all the fine print and know what your policy entails. Make sure that you are not charged for something that is supposed to be covered, as this happens quite frequently. When the bills come in from different providers find out if it is covered and send it to your health insurance provider immediately.

Stop smoking. It may sound like something that may not related to health insurance costs, but it is increasingly becoming one of the major reasons why your health insurance policy may raise their rates or why your policy in general might be higher. It is considerably higher to have a health insurance policy if you are a smoker. So you should quit not only to save money, but possibly your life.