***Disclaimer: We are not medical doctors and are simply sharing our opinions here and what has worked well for us. Consult your doctor before changing your health care plan or the way you manage your health.
Four years ago, in our quest to cut expenses, we changed to a higher deductible health insurance option with lower premiums. We realized this was a bit risky with 4 kids, so in order to ward off some of this risk, we’ve put some practices in place to help minimize our need for medical care. We’ve found that by optimizing our health, we rarely go to the doctor now, and have saved several hundred dollars, at least, in our healthcare spending each year. And it’s working. In fact, in 2016 we only spent $139.55 out of pocket for medical expenses not including our monthly premium, even on our high deductible plan. We’re no longer those people that the doctor’s office knows so well. We show up every year or two for our annual physicals, and that’s about it. Here’s some of what we’re doing to keep healthcare costs low. : Read more
