The way I attempt to lower my health insurance cost is to be as healthy as possible and then take the highest excess package. This lowers my monthly premium.
Here is how I stay healthy without being fanatic.
Stay withing the normal (20-25) BMI weight range and try to not make the weight go up or down too much or too fast.
I eat 2-3 apples per day - usually as breakfast.
I eat a salad for lunch 2-3 times per week.
I stay optimistic.
I try to be happy.