Let’s start with tobacco. Smoking or use any tobacco products creates health problems so you should expect to pay more for your individual health insurance.
Being overweight is a serious problem, part of your individual health insurance monthly premium is based on your Body Mass Index (BMI ). Losing even just a little weight can save you hundreds of dollars per month.
Increasing your copay will greatly reduce your individual health insurance premium. This is a great tactic for consumers who do not see doctors on a regular basis.
Furthermore, the higher your deductible the lower your monthly individual health insurance premium will be.