Can You Negotiate Health Insurance Rates? 
No ! Each company files their rates with the State and must be approved by the State . No agent or internet entity can offer you a discount or reduce the rates when you are comparing the same policy with the same company . It is illegal for an agent to induce purchase by offering a rebate on premium . Many internet companies providing quotes on their web site provide preferred rates when quoting . The fact is however that when a person applies for coverage , the company will determine the final rate . So if a person does not qualify for preferred rates , the rate he or she actually receives will be higher than quoted . 