With consumers looking for ways to save wherever they can in today's economy, here are five tips from UnitedHealthcare's Golden Rule Insurance Company to help individuals and families shopping for their own health insurance for 2012. 

1. Determine the kind of coverage that meets your particular needs. Do you go to the doctor often or just occasionally? Does someone in the family take prescription drugs regularly? Are you looking primarily for protection in case of an unexpected illness or injury?

2. Consider a high deductible health insurance plan. Premiums for high deductible health insurance plans generally cost less than more traditional health insurance while still providing quality coverage, including preventive care. Some plans pay 100 percent of covered expenses once you meet your deductible.