If you know that you are a healthy person and you rarely fall ill, you do not need to pay the same rate as people that always fall ill or people with particular illness or infection.
The best way to get the best premium rate for your cover as a healthy individual is to look for the insurance company that will give you a reasonable discount for your health cover. The option I will advise people with healthy life style is the co-pay or the discount health insurance. In discount health insurance, you will allow your insurer to pay your bill to a certain percentage while you complete the rest. Normally, the payment starts from you. You need to choose your cover as it concerns you not as it has or should be. That is the reason why I always advise people to seek advice from professional who will tell you how to choose right and how to choose the best company to buy your cover.
There are so many insurance companies online but you have to choose the company that will give you better deal in times of premium package and services. There are some insurance companies that have professionals that will advise their customers on health matters. So it will be nice to scout for professional agent that will advise you on where to get the best and the cheapest cover for your insurance cover be it health insurance, life insurance, auto insurance, home insurance etc.
Insurance is a necessity, but you can keep the cost low. Do not pay for what you do not need.