Many Americans are struggling with the skyrocketing costs of health care. Even if you are relatively healthy, there are many steps you can take that will reduce health insurance premiums and other related costs while still looking after your own well-being. Here are some tips to help you lower your health care costs and save more money.

-- Live a healthier lifestyle

Ok, ok; you've been "meaning" to live a healthier lifestyle for years but have been putting it off. The simple fact is, you can no longer afford that luxury since everything you do may affect whether or not you are insurable and what your rates may be. If you are significantly overweight, get a handle on the problem right away by eating healthier and adopting a regular exercise plan. If you smoke, stop. Period. Limit yourself to one alcoholic beverage a day, and never indulge in anything to excess.

-- Consider opening a health savings account (HSA)

If you are a basically healthy person and seldom need to visit a doctor, you may be paying unneeded premiums for comprehensive health insurance. You can keep premiums low by maintaining a catastrophic insurance policy; meanwhile, donate monthly to a HSA and use that money for medical expenses when necessary. The money you put into a health savings account is tax-deductible and may be removed penalty-free at age 65 to be used for any reason.

-- Take advantage of free services

Most communities offer free health screenings once or twice a year to help educate the public on the importance of frequent testing. You may be able to get a mammogram, pap smear, or any number of other tests performed at little to no cost. Public health screening results are just as high quality as private ones and you will save a lot of money.

-- Go for generics whenever possible

Much of a person's health care costs may come from prescription drugs. One or two prescriptions a month will really add up. Check with your physician and pharmacist to see if you can use generics instead of brand-name medications. They are generally the same product, but your doctor may want to adjust your dosage if you choose to use generics. A generic drug may cost 90% less than the name brand!

-- Get good advice

Most of us get a little muddled when it comes to choosing a health insurance plan because the process is often complicated and confusing. You may wish to get the advice of a service whose job it is to advise people on their health care choices to make sure that you are getting the plan that is best for you.