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If your family expects to have high medical bills, then paying a higher premium in exchange for lower out-of-pocket costs may be a smart choice. If you’re relatively healthy, a high-deductible plan with lower premiums could save you money. Use an HSA with Eligible High-Deductible Plans Consumers who decide to go with a high-deductible plan should check to see if they are eligible for a health savings account, known as an HSA. Ryan Tiernan, who is the founder of Access Point HSA and helps businesses set up HSAs for employees, says they can be a major source of tax savings. “They are triple tax-free,” he says. “Money goes in tax-free, grows tax-free and comes out tax-free [when used for qualified medical expenses].” Even better, companies that offer HSAs as part of a benefits package often match deposits into an account. “[Many] employers are making some type of match,” Tiernan says. “That’s a huge win.” A June 2014 report from the Employee Benefit Research Institute found that over half of HSAs have employer contributions. Money deposited into an HSA rolls over each year and can be used tax-free for medical expenses, even if your insurance changes. Make the Most of Wellness Programs As employers work to control their health care costs, many are offering wellness programs for their workers. While programs vary, they often give workers a discount on their health insurance premium for doing one or more of the following: Participating in biometric screenings, such as checking blood pressure and cholesterol levels. Completing a health risk assessment, usually in the form of a questionnaire. Enrolling in a physical activity program. In 2015, employers are expected to dole out $693 per employee in wellness incentives, according to a survey of 121 companies by Fidelity and the National Business Group on Health. Let a Discount Card Fill the Gaps Unless you have Cadillac coverage, you’ll probably find your health insurance won’t cover some services. In that case, a health care discount card might be able to reduce your costs. Not to be confused with insurance, these cards offer reduced rates on services offered by participating providers. Anyone can get a discount card, and many charge a monthly or annual fee. Allen Erenbaum, president of Consumer Health Alliance, a trade association for discount health care programs, says the cost can be easily recouped through the savings. “You use it as often as you need it,” he says. To get the most value, Erenbaum recommends using the following guidelines before paying for a card. Check the list of participating providers to see who accepts the card. If a list is not available before buying, that could be a red flag. Look for plans that allow you to try it for 30 days and get a refund within that period if you’re not satisfied. Review the list of included and excluded services. It should be clear what care is discounted. Discount cards can be purchased individually or obtained through employers or professional organizations. .
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