Health insurance premiums rarely drop. Premiums, in general, go up in response to rising medical costs. Health insurance does not work like auto insurance where you can get discounts. You can expect that your health insurance premium will increase every year. Your premiums will drop only if you cut back on your coverage. You should know that your health insurance premiums are based on age, inflation, and claims. As you get older, you become less healthy and you may end up visiting the doctor or going to the hospital more frequently. You'll need more health care as you age, thus you’ll have more claims. There are several other factors which determine your health insurance premium. Often, purchasers like you can control some of the factors that tend to limit your coverage and dictate your premium. These factors include deductibles, co-payments and co-insurance, lifetime maximums, annual or out-of-pocket limits, Coordination of Benefits (COB), and renewability or cancellation of your insurance plan. Unfortunately, it's rare for health insurance premiums to drop unless you decide to change health plans or change insurance providers. You can also ask your insurance provider to confirm if there are changes in your premium. - June 18, 2009 @ 9:19 am

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