Controlling illnesses and mishaps are beyond your control. However, there are ways through which you can lower your health insurance costs. You can choose an insurance plan with a higher deductible. When you do so, you have to pay low monthly premiums. See, if you don't visit your doctor frequently or take medications, you get no chance to pay your deductible. This way, your premiums are also low, and you don't have to bear the burden of deductibles.