What are some ways to lower health insurance premiums?

Choosing a co-payment option, under which policyholders agree to bear a fixed percentage of each claim, can help lower the premiums, reported Moneycontrol. Opting for a deductible can also reduce the premium, as it requires a person to pay a fixed amount before the insurer covers the remaining claim. Paying premiums for two or three years upfront may earn discounts.