8 Tips for Reducing Out-of-Pocket Health Costs in 2025

min read -
Published:
Written by Insuranceopedia Staff
On this page Open

Healthcare costs are not just on the rise – they’re growing faster than the overall economy (in fact, healthcare spending has increased at a faster rate of growth than GPD since the late ’90s.). Your share—deductibles, copays, and expenses for noncovered services—can add up fast. And with premiums and policies for 2025 undergoing changes, we all need to take a closer look at how to keep those out-of-pocket costs in check.

The good news is that with a few smart moves, it’s possible to make a significant dent in what you’re spending. Here are some effective strategies to help you do just that while still receiving the care you need.

Choose the Right Health Plan

It all starts with the right health plan; choose the wrong one, and you’re bound to overpay.

Start by considering your actual health needs and expected expenses. For example, a high-deductible plan might save you money on premiums but could cost more if you need regular care. Pay close attention to prescription drug coverage, especially for costly medications like Ozempic, which is increasingly prescribed for both diabetes and weight loss. Ozempic weight loss pricing can vary significantly based on your insurance plan, so compare policies to find one that includes this medication if it’s part of your treatment plan.

Stay In-Network

Insurance companies negotiate lower rates with in-network providers, so going out-of-network often means paying the difference out of pocket.

Confirm that your preferred doctors, specialists, and facilities are in-network before scheduling appointments. Many insurers have easy-to-use online directories, but it doesn’t hurt to call and confirm.

Maximize Preventive Care

Most health plans cover preventive services—like annual physicals, immunizations, and screenings—at no extra cost to you. Use these benefits because regular checkups can catch problems early (before they become expensive crises).

Always take full advantage of what your insurance already provides, especially if you’re close to meeting your deductible.

See Your Primary Care Physician Regularly

Did you know that people who regularly see their primary care physician have 33% lower healthcare costs? This is because a doctor who knows your medical history well can provide better guidance and potentially save you from costly referrals to specialists.

Also, having a good relationship with your physician means they’re more likely to offer practical advice, like over-the-counter options or lifestyle changes, instead of jumping to costly prescriptions.

Use Telehealth Services

Telehealth visits are typically more affordable than in-person appointments and are increasingly covered by insurance. They’re great for minor illnesses, follow-ups, or when you need quick advice. Plus, it saves you time (and maybe gas money).

Of course, you still want to check with your insurer to understand what’s covered and when telehealth might work best for you.

Avoid the ER for Non-Emergencies

Emergency room visits are expensive, even if you have insurance. Unless it’s a true emergency, opt for urgent care clinics or virtual consultations instead.

Many urgent care centers are equipped to handle everything from minor injuries to common illnesses, often at a fraction of the cost, so keep a list of nearby clinics handy for situations that can’t wait but don’t warrant a trip to the ER.

Take Advantage of Health Savings Accounts (HSAs)

If you’re on a high-deductible health plan, contributing to an HSA is a smart way to save. These accounts offer triple tax advantages: contributions are pre-tax, growth is tax-free, and withdrawals for qualified medical expenses aren’t taxed.

Use them to cover everything from prescriptions to copays, and invest any unused funds to grow your balance for future needs.

Plan Ahead for Specialty Care

Specialist visits and advanced procedures often require prior authorization from your insurer. If you don’t get approval, it’s more than likely you’ll end up with a hefty bill that your plan might otherwise cover. So, be proactive about scheduling, and make sure to provide any required documentation upfront.

If you anticipate needing specialty care in 2025, contact your insurer early to understand what’s covered and what steps are necessary to avoid unexpected costs.

Go back to top