There are many things that you can do to bring down your health insurance plan costs:-
• Maintain your health with a nutritious meal and a healthy living style to keep away most of the diseases from attacking you.
• Vaccinate your children on time and keep up with regular well-health check ups to detect diseases at an early stage before they are too difficult to manage.
• Take some steps to stop or reducing smoking behavior.  Smoking increases the cost of your health insurance plan as smoking invites most health hazards.
• Enroll yourself in prescription drugs coverage offered by your health insurance plan so that you can get those drugs at subsidized rates than getting the same in your nearby pharmacy every time you need it.
• Try to participate in making a co-payment or deductible in your health insurance plan to reduce your premiums.
• Verify if your medical bills have been documented correctly.  Some bills may be confusing or may have some extra charged occasionally, take time to check if you have been billed for what you owe.  Get discrepancies corrected by due communication.
• Make a joint policy with your spouse and children in a health insurance plan as group packages are comparatively cost effective then individual plans.
• Ask for discounts!  Unless you ask they do not give.  You can negotiate bills right from your doctor through the pharmacy.   It may not work always, but it pays if you succeed in the bargain.

Health insurance plans can cover you for several things.  You need to know they can pay for several disease preventive courses and related expenses.  Preventive treatments like dental check ups, osteoporosis check up, heart check up and almost all regular check ups are supported by health plans.  Have your health monitored to enjoy better health and to get diseases treated quite early when they are just budding.  Health insurance plan need not mean for after events, use them for prevention and that helps a lot.