How Can I Get Cheaper Health Insurance? 
Work with an independent health insurance agent/broker so you can compare plans from multiple carriers . You should also review what type of coverage you have to see if it 's most suitable to your needs . If you have one of the new `` metal '' plans on or off the health insurance exchanges , you should review what metal level you have -LRB- bronze , silver , gold , or platinum -RRB- . If you have a gold plan , you may want to look at silver or bronze to reduce your premiums . In doing so under this method , your taking on a larger share of healthcare expenses when they 're incurred . Keep in mind , the cheapest plans will offer the least protection -LRB- meaning you 're taking on more risk to keep the premiums down -RRB- - in general , programs with better protection -LRB- e.g. lower deductibles , coinsurance , copayments , etc. -RRB- will feature higher premiums . You may also want to see if your employer is offering group coverage benefits for its employees . Under group plans , the employer is paying a portion of the premiums - the drawback being if you left the employer/were fired , your coverage would not go with you . You can only apply during the annual enrollment period each year , unless you qualify for a special enrollment period -LRB- a `` life-changing event '' such as getting married , having a child , etc. -RRB- . 