Digestyl area where you can save significantly is with your deductibles. As a rule of thumb, the lower your deductible the higher your monthly premiums BUT it can actually save you money. Don't just look at your insurance from a monthly point of view. Can you save annually? Can you save on your additional annual payments? Most people get seduced by the promise of lower monthly payments and insurers know this. See you health insurance expenses from an annual point of view instead.

Every family have different medical expenses. Some people rarely claim anything while others are in and out of the doctors on a weekly basis. Your co-pays are the part of your health insurance cover that you are responsible for paying. You need to asses this against your annual Digestyl expenses and see if you can benefit from carrying a higher or a lower co-pay. Most health insurers will help you with this but by just looking at your general doctors visits and co-pays you can save a lot.