3 Ways You May Be Able To Reduce The Cost Of Your Health Insurance
Want to Save Money on your Health Insurance? Ask Pam.

Health insurance is a big investment — and it can be a big expense if you’re not making the most of your options. Here are three ways you may be able to reduce your health insurance costs without giving up the coverage you need.
1. Consider a High Deductible Health Plan (HDHP) Paired with a Health Savings Account (HSA)
An HDHP combined with an HSA can be a smart strategy for:
• Business owners looking for tax savings
• Individuals or families who are generally healthy and don’t visit the doctor often
• Anyone who prefers to cover minor expenses out of pocket while protecting themselves against major medical costs
HSAs allow you to save money tax-free for future healthcare expenses — and you can even use it as a long-term savings vehicle.
2. Explore Different Provider Networks with Your Current Insurance Carrier
You may be able to lower your premiums by switching to a different provider network — even within the same insurance company. Often, your doctors participate in multiple networks, so you could take advantage of a more affordable option without changing providers.
3. Ask Yourself: Do You Really Need a PPO?
PPO plans offer flexibility, but they come at a higher cost. If you’re not seeing specialists out of your area and are happy with your current primary care providers, an HMO plan could make more sense — and save you money.
I’ve had clients save over $1,000 per month by switching to an HMO plan that included the doctors they knew and trusted.
If you’d like help reviewing your options or want a second opinion — reach out! There’s no cost to have a conversation with me.
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