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Best Ways to Save on Healthcare? Part 2 – Medium
Term Savings
Health care is in flux. The following was created in
response to a Quora question, answered with a
holistic response by another Quora contributor.
I’ve expanded into three time-based phases.
Medium Term Actions:1. Routinize short-term strategies 2. Document family health issues3. Track health expenses, store
documents4. “Best-fit” health insurance 5. Watch for health innovations
1. Routinize short term strategies. Get the basics down:
healthcare consumerism (shopping for products, services and prescription drugs), save in
pre-tax health accounts, and look for healthy habits right for
you.
2. Document family health issues. Talk to family elders
to find out their medical conditions. Find out what
you and your family may be more susceptible to.
3. Track health documents and expenses. Create a file for
health documents and expenses, maybe even a digital one (like HSA Coach). You will one day want the history of various
doctor visits and out of pocket expenses.
4. Select “optimal” health insurance plans. Track your
usage of healthcare providers to develop a sense for what you need and routinely spend on.
Then choose a health insurance plan that is the best value for
your health usage.
4. Watch health trends and innovation. Telehealth, retail
health clinics, online blood work ordering, X-ray price comparison
shopping are just a few examples of recent healthcare consumerism. More is coming.
With this post we focused on the medium term savings in today’s
healthcare environment. The final post will cover
long term actions.
Thank You!
Download the free HSA Coach app to manage your HSA and watch your wealth grow. Available on iOS and Android.