Are you looking for quality, but cheap health insurance? Have you searched the internet to get the best individual, family, short term and student coverage in your area? Although most personal health insurance policies have expensive and outrageous monthly payments, there are a lot of companies that are honest and dedicated with low co-pays.
Write down a list of 5 or so companies and call them to discuss the different kinds of health insurance plans and answers common questions. Then compare them on a plan to price chart. Also there is a medical glossary of terms available to you on the internet for reference.
There are sensible ways to save money on insurance, but skipping coverage isn't one of them. Medical bills from even a minor car accident can deplete your savings - a major illness can push you into bankruptcy.