You can save by choosing a health maintenance organization (HMO) insurance plan. You’ll need referrals from your primary care doctor to see specialists, and out-of-network coverage is limited to emergencies. But overall, your health insurance costs will be less.
If you’re healthy overall and don’t visit the doctor often except for preventive care, you can save on your monthly payments. Health insurance plans with a higher deductible will have a lower monthly premium.
Health savings accounts (HSAs) are accounts that you use to pay for medical expenses. You save on taxes with a health savings account because the money you put in and then use to pay for your deductible, copays, and coinsurance is either tax-free or tax-deductible. Plans that pair with a health savings account have higher deductibles, so their premiums are lower.
We are committed to helping you meet your healthcare needs, no matter where you are on your personal health journey. When calculating your costs, you still may want help. We can tailor a plan that fits your coverage needs and your budget.
