The healthcare industry is constantly changing, and these days it has become more uncertain (and expensive) than ever. Unfortunately, though However, health insurance is still essential.  A fact that is sadly illustrated to us by the ever-increasing number of people going broke trying to keep up with medical bills.

Below are a few tips to help keep health care costs down.

Managing Premiums

Determine what your needs are: Are you and your family relatively healthy, or have there been some accidents and illness in the past? Determining your health risks is essential when deciding which health plan is right for you. Plans with a lower premium seem appealing; however, they carry hefty deductibles that you would be responsible for should the unfortunate happen. It’s a risk, but if you haven’t had any major medical events recently and you don’t anticipate any in the future, a low premium plan may be right for you.

Patient or Consumer?

To save money and not end up with surprise expense you must be diligent and a smart consumer. The medical industry is a business, and as a business, it is designed to generate revenue. It’s up to you, the consumer, to find ways to save money. Asking questions such as “is this test necessary?” or “is there a generic version of this drug?” can add up to tremendous savings in the long run.

“An Apple a Day…”

It’s cliché because it’s true!

Living a healthier lifestyle will keep you out of the doctor’s office and help you save money on insurance plans. Make sure you’re eating well, get plenty of exercise, and don’t skip your prescriptions and you should be able to minimize any medical expenses.