Pennsylvania health insurance rates have been slowly increasing. Perhaps your rate is a bit higher than you can afford. Health insurance can be more affordable than you think. Sometimes, a few minor changes can substantially reduce your Pennsylvania rates. Hopefully these five tips will help!

·        Consider raising your major medical deductible. With many Pennsylvania health insurance plans, the deductible does not apply to covered office visits and prescriptions. So by raising your deductible, depending on the number of family members covered, you could easily save hundreds…or even thousands of dollars per year. A $2,500 or $5,000 deductible are options to strongly consider.

·         Work with an experienced broker with at least 20 years of experience. That   broker should be specializing in Pennsylvania health care coverage as opposed to an agency located on the other side of the country. The premier resource for researching and quoting affordable Pennsylvania health care is Pahealthinsurancecoverage.com. If you have kept the same policy for more than three years, and your health has not changed, comparing health insurance rates is advisable.

·        Consider a Pennsylvania Health Savings Account (HSA). An HSA is an alternative to traditional health insurance that allows you to pay for current medical, dental and vision expenses and save for future qualified expenses on a tax-free basis. A High Deductible Health Plan (HDHP) is also required. If you have relatively few medical expenses, it may provide a great opportunity to reduce your current premiums.

·         Eliminate unneeded coverages. If you are paying extra for maternity coverage or other riders that you don’t use…delete them from your policy. The savings could be more than you realize. Many Pennsylvania health insurance plans have not been reviewed for years, and significant savings might result from “tweaking” your policy coverages.

·        Use your preventative coverage! Most Pennsylvania health insurance plans provide preventative coverage that is not subject to a deductible. Routine physicals, OB/GYN exams, Pap tests and mammograms are often included in comprehensive policies.

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