How can individuals save money on private health insurance?

The easiest way to lower your premiums is to pick from a major provider and select a high deductible with less coverage plan. Catastrophic care plans are also comparatively cheaper but have very limited coverage and are usually for a shorter period (1-2 years). The trick here is that lower costs usually means less access- which can work for younger and healthier policyholders with lower risks of developing an illness or condition requiring lots of access to health goods and services. Many non-profit and private health insurance broker companies can help explain the difference between specific policies.