Do not try to your change insurance plan if you have a serious medical condition. Instead, contact your current insurer directly to ask about continuation of coverage options.
Insurance services like Medsave.com are designed to provide
insurance only for unknown future medical problems. These
services do not help people with current medical problems. If
you have medical conditions and absolutely must change health plans, switch to an HMO

Think short term. Most people who buy their own health
insurance change their coverage in less than a year. Buy the
plan that offers you the best deal now without concern for
whether it will be available in a year. Next year an entirely
new generation of health plans will be available. A plan that
you bought more than a year ago would not likely represent the
best value for you today. Use short-term medical insurance
plans, student medical plans or foreign travel insurance plans
if you qualify. These offer better deals if you qualify.

Choose a higher deductible. By taking a $1000 deductible, you
will save more than $1000 in premium payments over a year's
time. This should be an easy decision from a mathematical
viewpoint. Some young people can buy a high deductible insurance
plan for less than $30 per month to cover any serious medical
issues.

Use free enrollment offers. With an increasing number of
plans now charging an up-front enrollment fee, look for deals to
save the enrollment fee whenever possible. Medsave.com pays the
enrollment fee for anyone switching from a short term to a
permanent insurance plan.

Choose indemnity type coverage and avoid HMOs whenever
possible. This lets you and your doctor maintain control of your
medical care. There are no “networks”; you choose your own
doctor and hospital and are free to switch at any time. There
are no limits on travel, since this type of coverage is equally
valid everywhere in the country.

Take a separate plan if you travel outside the U.S. Most U.S.
plans provide weak foreign travel benefits and most worldwide
plans provide weak coverage in the U.S. SO it is best to carry
separate plans tailored to your travel schedule.

Be aware of state issues. Each state controls its own health
insurance laws. Four states – MA, NJ, NY and VT – make it nearly
impossible for its individual citizens to buy affordable health
insurance. The only legal way around this problem is to take out
coverage while living temporarily outside these states.

Pay for 3 months of longer. You can save money by paying for.

Avoid the lesser-known insurance plans. Health insurance
premium rates are based directly on the benefits that the
insurer pays out to policyholders. It makes no sense to enroll
into a plan where there is a known issue of claims problems in order to find lower premium rates. Fortunately, the market share leaders maintain an excellent reputation for claims handling.Stick to these market share leaders.

Use a medical savings account. If you could benefit from
making your medical expenses fully tax-deductible, open a
medical savings account. There are no account fees or charges
for those who qualify for this plan.