We might splurge on comforts and luxuries but when it comes to investing some money on health insurance, we tend to think twice and put it on hold.

It's very important for you to spare some time and make sure your family is properly covered in health insurance. Having a surprise health problem can literally cost you a fortune if you don't have health insurance and you also get much lower quality of medical care without health insurance.

Here are 6 tips to help you save up to 30% and to make sure you get the most fitting plan:

Local Plans

Start your research by looking at your state's website under the insurance department. Make sure to look at your state specifically because prices/plans and laws are different by state. The site should list the many companies, what types of policies, rough prices and even have information on affordable health care insurance programs.

Write out your priorities

All plans are different and you need to know what your priorities are. Do you have a specific doctor you like seeing? You better make sure that doctor is covered by your insurance.

Don't be afraid to use a broker

It's wise to approach an insurance broker, he can do the running around for you to help you find a well-suited insurance company, help shop for the best rates, and explain the ins and outs of your plan. It is, however, essential to check the reputation and credentials of the broker.

Take a "free look"

This is a great way to test drive an insurance program first for a short period with a full money back guarantee if you have problems with it. Just know that terms and conditions do apply - read them!

Get a Health Savings Account

If you are seeing the doctor just twice a year then HSA is a great option. It goes hand-in-hand with an insurance policy that has a high deductible but low premiums. The money you save on premiums each month can be deposited into the HSA pre-tax, where it grows tax-deferred. You then use it to pay for any unexpected medical expenses. Once you turn 65, you can withdraw any money you didn't use and spend it on anything you want, including funding your retirement.

Negotiate

We will end up paying more from services that aren't covered to doctor and hospital co-pays to costs for prescriptions. Keep your costs low by shopping around and asking for generics whenever available. Don't be afraid to negotiate with your doctor if you're paying out of pocket. You might get a discount.

Most don't realize this, but even in the U.S. it is very possible to get an affordable health care insurance program - especially with the internet you can start applying immediately!