Finding affordable health coverage isn’t always easy, especially with changes in subsidies and rate increases. But with the right strategy, you can access quality care without paying more than you need to.
Open enrollment for 2026 is here, and now is the time to explore your options and uncover ways to save. Here are five proven ways to lower your healthcare costs while maintaining the coverage you need.
If you purchase insurance through the Health Insurance Marketplace, you may qualify for premium tax credits that can significantly lower your monthly payments.
These credits are based on your income and household size, and many families qualify for more assistance than they realize.
Pro Tip: A licensed advisor at HealthTrust Financial can help you determine your eligibility and ensure you’re not leaving money on the table.
Traditional insurance isn’t the only way to get affordable health coverage. Health sharing programs—like those offered through faith-based or nonprofit organizations—allow members to share medical expenses at a fraction of the cost of traditional premiums.
Many families find these programs offer the same peace of mind as health insurance, with added flexibility and community support.
If you’re self-employed, own a small business, or need an alternative to ACA plans, cost-sharing could be a smart way to control expenses.
An HSA is one of the most powerful tools for keeping healthcare affordable. When paired with a high-deductible health plan (HDHP), an HSA lets you:
That means you’re saving on taxes and building a financial cushion for future medical needs.
Pro Tip: Unused HSA funds roll over year to year, making it a long-term investment in your health and financial security.
It’s tempting to stick with last year’s plan, but premiums, deductibles, and networks often change. Speaking with a trusted agent to explore your options annually ensures you’re still getting the best value.
When you shop around, look at more than just the monthly premium—factor in deductibles, copays, and out-of-pocket maximums. A plan with a slightly higher premium could save you thousands in the long run.
Navigating open enrollment can feel overwhelming, and many find choosing a plan confusing, but you don’t have to do it alone. Since open enrollment windows and plan offerings differ by state, working with a licensed health advisor can help you uncover savings opportunities you might not know about and avoid missed deadlines.
At HealthTrust Financial, we simplify the process and guide you to affordable health coverage that fits your lifestyle, budget, and goals.
Affordable health coverage isn’t out of reach; it just takes the right plan and a little guidance. Whether you’re exploring Marketplace options or alternative cost-sharing programs, there are more ways than ever to save without sacrificing quality care.
✅ Ready to see how much you could save?
Estimate your savings with HealthTrust Financial today and take control of your healthcare costs for 2026.