Finding Affordable Health Insurance

Paying Less Without Getting Less

The levers that actually lower cost

• Subsidy check first. Premium tax credits are the single biggest discount in the system, and many people who qualify never check.
• Right-size the metal tier. Paying gold premiums for a bronze year of usage is the most common overspend we see.
• Accept a narrower network if your doctors are in it. Same care, lower price.
• Mind the drug formulary. Matching your prescriptions to the right plan can save more than the premium difference.

Where not to cut

Skipping coverage entirely, or buying a plan with a network none of your doctors accept, saves money until it suddenly costs more than it ever saved. Affordable means sustainable through a bad month, not just cheap in a good one.