Health insurance can be expensive—but it doesn’t have to be. With a little strategy, you can get affordable coverage that still protects you when it matters most.
✅ 1. Use the ACA Marketplace
Start by checking Healthcare.gov or your state exchange. You might qualify for subsidies based on your income—saving you hundreds per month.
✅ 2. Choose a High-Deductible Health Plan (HDHP) + HSA
An HDHP has lower premiums, and pairing it with a Health Savings Account (HSA) lets you save tax-free money for medical expenses.
✅ 3. Stay In-Network
Pick a plan that has your preferred doctors and hospitals in-network to avoid surprise bills. PPOs offer more flexibility, but HMOs are usually cheaper.
✅ 4. Evaluate Your Real Medical Needs
Don’t over-insure. If you’re young and healthy, you probably don’t need a low deductible plan—opt for cheaper monthly premiums instead.
✅ 5. Take Advantage of Preventive Care
Most plans offer free preventive services like annual checkups, screenings, and vaccinations. Use them to catch issues early and avoid bigger costs.