Allow enough time to find the plan that works best for you. Health insurance companies often require underwriting before issuing a policy, so do not wait until you need health insurance. By shopping early for health insurance, you will find the plan that best fits your budget and needs. Know what kind of deductible you should have. If you are a generally healthy person who does not go to the doctor’s office very often, you may want to carry a higher deductible. A higher deductible will lower your premium. If you frequently see the doctor, you may need a lower deductible to limit your out-of-pocket expense each time you have an appointment.