Are you really interested in getting the cheapest Alabama health insurance online quote? Then the following tips will help you in that quest: What amount are you willing to contribute out of your pocket each time you visit a doctor? This is referred to as your co-pay. Raising your co-pay lowers your rates. You’re seriously encouraged to choose a high co-pay if you visit the doctor only once in a very long time. Also, you’ll pay cheaper rates for a group plan than otherwise. Therefore make use of it if you have access to it.. The higher the risk insurers attach to your profile the more you’ll save if you use a group plan. You will also get some respite in a group plan if you have to pay very high health insurance rates owing to a pre-existing medical condition. A group plan is a good way of lowering your premium without lowering the quality of coverage you be given.