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Simple ways to cut your health insurance costs
1. How much insurance do you currently use now? You should tally up last years co-payments, out of pocket expenses, "well visits vs sick visits" and what current medications you are taking and their costs. This can help you and the agent determine your current insurance use and give an idea of what deductible amount you should carry. The higher deductible you carry the lower your monthly premium expense will be.
2. Open a flexible spending account. If your current employer allows it, you can put aside pre-tax money up to $5,000 a year from your payroll check to cover medical costs not covered by your health care policy. Talk to your HR department before you set a side a huge chunk of money, because what you do not use you loose.
3. Some health insurance companies will give discount for people who try to maintain healthy life habits. It will save the insurance company money in the long run to pay a little now to help keep you healthy. So, some carriers will give a discount on things like, gym memberships, massages, weight loss programs, chiropractic care, supplements and acupuncture. Talk to the agents about what discounts are offered.
4. If you currently take medications, ask your doctor to prescribe generic prescriptions, ask for samples from your doctor, use online coupons for medications, and order your medications via the internet if possible.