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If your place of work doesn't offer group health insurance consider any groups, clubs, organizations or associations that you or any member of your family or any friends belong to. Finally, can you afford to increase your deductible? If you can increase your deductible then you will lower your cost of health insurance immediately. West Virginia family health insurance You might be surprised at the savings you can realize on most drugs if you purchase them over the internet. However, especially with an HMO, you will restricted to only seeing certain doctors.