How to Save Money on Health Insurance in 2025 Health insurance is essential — but it doesn’t have to drain your bank account. With costs rising in 2025, here are 5 proven ways to reduce your premiums, lower out-of-pocket expenses, and keep more money in your pocket. 1. Compare Plans Every Year Don't just auto-renew your current plan. Prices, networks, and subsidies change yearly. Use marketplaces like Healthcare.gov or a licensed broker to see your best options — especially if your income or family size has changed. 2. Consider a High Deductible Plan (HDHP) If you're healthy and don’t visit the doctor often, a high deductible plan can significantly lower your monthly premium. Just make sure you can afford the deductible in an emergency. 3. Open a Health Savings Account (HSA) With an HDHP, you can pair it with an HSA — a tax-advantaged account that lets you save for medical expenses. Contributions are tax-deductible and withdrawals for qualified expenses are tax-free. 4...