Case Study: How One Family Saved $1,200 a Year on Health Insurance
With healthcare costs on the rise, finding affordable coverage has become a priority for families in 2025. This real-life case study shows how one family cut their annual insurance bill — without sacrificing coverage or quality.
👨👩👧👦 Meet the Family
The Johnsons are a family of four from Ohio: two working parents and two kids under age 10. In 2024, they were paying $980/month for a Silver ACA plan through their local broker. Their out-of-pocket costs were growing, and preventive care wasn’t fully covered.
🔍 Step 1: Comparison Shopping
They used Policygenius to compare ACA-compliant plans in their zip code. The tool showed they were eligible for a high-deductible plan (HDHP) with lower monthly costs — plus the ability to contribute to a Health Savings Account (HSA).
💡 Step 2: Switch to HDHP + HSA
The Johnsons chose a Bronze-level HDHP with a $7,000 family deductible and $780/month premium. Preventive care was still fully covered. They paired this with a new HSA through Lively.
💰 Outcome: $2,400 in Premium Savings
They saved $200/month = $2,400/year in premiums. After contributing $1,200 to their HSA (which grows tax-free), they still had $1,200 in savings — money they put toward their children's college fund.
🔐 Bonus: Tax Benefits and Better Flexibility
- HSA contributions are tax-deductible
- Funds can roll over and grow tax-free
- More control over provider network vs. PPO
Final Thoughts
This family didn’t cut corners — they cut waste. By switching to an HDHP + HSA strategy and using online tools, they saved money, stayed protected, and took a big step toward financial wellness. Your family can too — with the right plan, the savings add up fast.
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