Health insurance, perhaps from a company like Canopy, is extremely necessary for all people since illness or injury can strike absolutely anyone at any time. Unfortunately, though, getting the healthcare insurance you need can be quite costly. The good news is that, with a little know-how and planning, you can save on healthcare insurance.

Consider How Often You Seek Healthcare

First things first, you'll want to make sure that you're only paying for the type and amount of coverage you actually need or are likely to need and use. You can figure this out by considering how often you visit the doctor or seek other forms of healthcare. If you're the kind of person who is always getting checkups and requires regular medical care, then you'll usually get the best value for your money by going for a lower deductible plan that has larger premiums.

Conversely, if you don't receive healthcare regularly, then you can save by opting for a higher deductible and lower premiums. Saving money on health insurance is really about choosing the right coverage and plan for your needs.

Take Advantage of Discounts

Did you know that, based on your income and certain other factors, you may qualify for one or more health insurance discounts? In fact, the vast majority of people do qualify for some kind of cost reduction.

These are just a few of the things you could be eligible to save money on:

• Co-payments
• Deductibles
• Co-insurance

Read up on available discounts and then make sure that you get the full discounts to which you are entitled when you sign up for a plan.

Take Advantage of Incentives

Just as you could be missing out on great discounts, there's also a chance there are money-saving incentives available to you.

These incentives are usually offered from your employer and, more often than not, are very simple to obtain. Sometimes you could be eligible for big savings just for doing something as easy as filling out on online survey or renewing your insurance plan by a certain date.

Of course, you can't take advantage of these incentives if you don't know that they exist, so regularly check in with your employer and make sure you're signed up for any relevant email lists or newsletters that could alert you to new incentives. Then, all you have to do is take the time to actually qualify for them.

As you can see, saving on health insurance isn't all that hard, not if you put in just a little effort on your part.