Health Insurance is one of important types of insurance that guarantees payment to a person in case of sickness. Health Insurance assures you to pay a handsome amount in case of hospitalization or any other medical illness if you have paid a premium to policy owner during the policy periods. Nowadays health care costs are rising day by day. So to ensure that you get full amount of your insurance money you need to lower the medical expenses. Some of the basic tips for lowering the medical costs are: (1)Healthy Lifestyle: It may seem obvious to maintain a healthy lifestyle not only for reduction in medical bills but also to make your life more long lived. To make yourself healthy one needs to exercise regularly, maintain a balanced weight, avoiding smoking and other toxic habits. (2)Shop Around For Health Insurance : You must be ready to search in for individual health insurance plans . For that you need to analyze and evaluate each plans features and limitations. Also one needs to che