1. Determine the kind of coverage that meets your particularneeds. Do you go to the doctor often or just occasionally? Doessomeone in the family take prescription drugs regularly?
2. Consider a high-deductible health insurance plan. Premiums forHDHPs generally cost less than more traditional health insurancewhile still providing quality coverage, including preventivecare.
3. Look into opening a health savings account. HSAs offer savingson premiums as well as triple tax advantages—money deposited intoan HSA can qualify as a tax deduction, grow tax-deferred and bewithdrawn tax-free as long as the dollars are used for qualifiedmedical expenses.
4. Seek a plan that offers strong care provider network discounts.Health insurance companies negotiate with physicians and hospitalsto provide services at discounted rates, sometimes as high as 30percent to 50 percent.
5. Find a plan that offers deductible credit. If you do not meetyour deductible by the end of the calendar year, you are given acredit against the next year’s deductible. Some plans allow creditsto accumulate for multiple years.

From UnitedHealthcare’s Golden Rule Insurance Co.

Also read How to make the most of your health care dollars