It is common for individuals to be concerned with the rising costs of health insurance. The biggest misunderstanding of health insurance is that people do not extend coverage when they are healthy. When waiting until you have illness and injuries to receive individual health insurance plans, the costs will always be higher and coverage may be refused due to preexisting injuries or disease. A major benefit of individual insurance is the ability to customize the coverage protection and exclude coverage that does not apply to your current health situation. Individuals that earn higher than average salaries may be able to pay a higher deductible for insurance protection. This always reduces the total cost of the premium payment and is not such a burden on cost. By working with a trusted provider of individual health insurance plans, you will be able to receive the exact coverage that you need.