13 ways to cut your health insurance costs

1. Know your health insurance plan's rules. Then follow them

2. Pick the health insurance plan that gives you the most bang for your buck.

3. Coordinate your family's health insurance plans.

4. Plan ahead for emergencies.

5. Cut your pharmacy costs.

6. Take advantage of tax breaks.

7. Quit smoking.

8. Lose weight.

9. Exercise more.

10. Seek out free or low-cost health screenings, checkups, and services.

11. Raise your deductible or co-payment for your health insurance.

12. Haggle with your doctor

13. Search for a subsidy from the State of Federal Government