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No one might have told you about these two things that determine whether you get affordable health insurance in Florida or not: Even though most insurance prospects are aware that smoking increases their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for instance will cost you in higher premiums. So, you’ll help yourself get lower rates if you stay away from tobacco use in any form. Also, The amount you’re ready to contribute to payments for each time you see a doctor has an effect your rate. This is known as your co-pay. The higher the amount you choose as your co-pay, the more affordable your rates will be. This is highly recommended for individuals who hardly need to see a doctor.