Most people or rather all people today are looking for an insurance company that offers you a lower rate. Especially health insurance which is one of the most important types of insurance you and your family need.Health insurance is can be very helpful to you and your family, particularly when one of your family members unexpectedly falls ill. The health insurance that you have will help you with the expensive medical bills. Getting you and your family’s health insured is very expensive.One of the many ways to lower your premium is to pay a big amount of deductible which you could handle. So in order to help you lower your insurance rates here are some other tips.You need to shop around for health insurance rates vary in every company. Besides one company might view your health and the risk you poses differently than the other company. Aside from the rate company’s insurance policy might also differ from other insurance company’s policies.Make sure that you have submitted all your medical records and you have said the truth about your health condition. Because when you lie to your insurance company you might get the worst.You should choose your insurance health carefully, and if you have preexisting illness you have to know that you will be having a hard time looking for one. There are not so many companies who will risk giving health insurance to those people that has preexisting conditions.You should live a healthy life style, company might not ask you what you’re eating everyday or how many fats and water can you consume in a day. But they will surely check on those things too so it helps if you eat healthy food and do exercise. This might help you lower your rates.Also you are a smoker; you should try to stop smoking for you might have 30 percent add up to the price of your disability, life and health insurance rates. If you have a history of drug used you might not be able to get and insurance.Also some insurance company might require you to have a physical examination or some short term exam such as taking some blood from you and your vital signs.Your doctor’s can also help you in getting your insurance coverage, for some insurance companies will ask your doctors about your health records. They can help you in explaining your previews illness if you have one.These are just some of the tips that can help you lower your premium rate and help you save some of your hard earned money. But you also have to shop around so that you could find a suitable health plan for you and your family. Insurance that could help you when you need it and an insurance company that gives a good service when it is needed by their clients.