The best ways to lower insurance costs is:
1.) Never get the government involved.
2.) Tort reform to curb all of these frivolous lawsuits.
3.) Make illegals pay for their own health care or at the very least bill their governments.
4.) Crack down on double billing, as well as those people who abuse the system
5.) Use the ER for actual emergencies instead of minor ailments that can and should be treated at a regular doctor's office.
“The best ways to lower insurance costs is”
1. Permit interstate competition for policies.
2. Permit individuals who desire it to buy extreme high deductible policies for catostrophic events.