If you need individual coverage,a good way of holding down your insurance costs would be to

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Purchasing major medical insurance with high deductibles can help you hold down your insurance costs. This type of insurance is designed to cover large or catastrophic medical expenses, but it typically comes with lower monthly premiums. By choosing a high deductible, you agree to pay a larger portion of your medical expenses, which reduces the insurance company's risk and lowers your premiums. It's important to make sure you can afford the deductible if you do need to use your insurance, but if you're generally healthy and only need coverage for major medical events, this can be a good option for cost savings.

If You Need Individual Coverage,a Good Way of Holding Down