The best thing to do is place TRUST in your AGENT. Know that THEY DO NOT SET the price. The price is set by YOUR health condition, AGE, height & weight. Your agent simply can help you get the most coverage by combining different insurance FEATURES and PRODUCTS.
LISTEN to what he or she has to say. They may be able to lower your price if you are willing to do things like take GENERIC drugs or by choosing a high deductible with ACCIDENT or CRITICAL Illness coverage on the side to cover EMERGENCIES.
MANY times this can save you a $50.00 to $200.00 a month. BUT YOU HAVE TO LISTEN to your OPTIONS to get these kind of deals.