How can I lower my health insurance?
There are a few things you can do to lower your health insurance premium. If you have an individual plan, ask your agent about increasing your deductible. Oftentimes, a healthy family won’t reach their deductibles. If this is the trend of your family, you might consider a plan with a higher deductible. The higher your deductible, the lower your premium. In addition, if you have access to an HSA (Health Savings Account), utilize it to save enough money to cover that higher deductible in the event you do need it.
Other things that may lower your health insurance premium are to use an in-network doctor, increase your coinsurance percentage, stay healthy by eating well and getting proper exercise, and review your plan regularly to make sure it is meeting your needs.