Let’s be honest: nobody wants to pay more than they have to for health insurance. And with prices creeping up year after year, it’s no surprise that folks are looking for ways to save without ending up stuck with a plan that barely covers a Band-Aid.

The good news? You’ve got options - and they don’t all involve taking huge risks or settling for junk coverage.

Here are some smart ways to cut your health insurance costs while still getting the protection you need.

1. See If You Qualify for a Subsidy (Even If You Think You Don’t)

Many people are surprised to find out they qualify for help paying their premiums through the ACA Marketplace. Thanks to some recent changes, even middle-income households might be eligible.

Pro tip: Your estimated income for the year is what matters - not last year’s tax return. If you’re self-employed or your income fluctuates, I can help you estimate it realistically.

2. Adjust Your Deductible (Just Not Blindly)

Higher deductible plans typically come with lower monthly premiums. If you’re healthy and rarely visit the doctor, this can be a good way to save - as long as you have some savings set aside for unexpected costs.

Don’t just chase the lowest price - make sure you can handle the out-of-pocket max if something big happens.

3. Use a Health Savings Account (HSA)

If you go with a high-deductible health plan (HDHP), you might be eligible for an HSA. It’s one of the few triple-tax-advantaged tools out there:

  • You don’t pay tax on the money you put in

  • It grows tax-free

  • You don’t pay tax when you use it for qualified medical expenses

It’s like a rainy-day fund for your health—and it rolls over year to year.

4. Don’t Over-Insure

Some folks buy add-on benefits they don’t really need, like duplicate accident plans or excessive critical illness policies. Others keep a pricey old plan just because it’s familiar.

Take a look at what you’re paying for - and what you’re actually using. If something doesn’t serve your needs, it might be time for a tune-up.

5. Shop Around - With Someone Who Knows the Area

Plans and premiums can vary a LOT depending on your zip code. And while it’s tempting to try to DIY it online, those websites don’t always tell the whole story.

When you work with a local agent (hi there!), I can help you compare real options - based on your doctors, your budget, and what actually works in northeastern Kentucky or southeastern Ohio.

Final Thought: Cutting Costs Shouldn’t Mean Cutting Corners

You don’t have to choose between affordable and reliable. With the right strategy - and maybe a little guidance - you can get a plan that fits both your wallet and your peace of mind.

If you’re tired of overpaying or feeling undercovered, let’s talk. I’ll help you find the sweet spot between budget and benefits, no pressure, no jargon.

Just honest help from someone who’s walked a mile in your boots - and knows where the potholes are.

DMack Insurance