Navigating healthcare costs can be challenging. This article provides essential tips for managing health insurance expenses in 2025, including open enrollment deadlines, in-network provider verification, and strategies to minimize unexpected bills.
For better or worse, most of what you already know about health insurance isn’t changing next year. The good news is that you won’t need to relearn the basics if your plan is changing in 2025. The bad news is that the risk of unexpected bills remains, in part because the fine print for most policies can get very complicated, said Gary Young, director of the Center for Health Policy and Healthcare Research at Northeastern University. This year, frustrations are running especially high.
The killing of UnitedHealthcare CEO Brian Thompson has triggered an outcry against a health insurance industry that’s already under fire from Congress over its role in prescription drug pricing. In the meantime, millions of people are struggling with medical debt as the costs of care continue to outrun inflation. Here’s what to know to help keep your health care costs down in the year ahead, whether you’ve already received your new insurance card or are still shopping for coverage. For starters, get covered Some 164.7 million Americans receive health care benefits through their employers, KFF estimates. For many of them, the open enrollment period has been over for weeks, and they’ve already selected new coverage options or been automatically re-enrolled in their existing plan. Another 21 million people selected coverage through the federal healthcare.gov portal last year. Open enrollment on that marketplace kicked off in November and runs until Jan. 31, meaning there’s still time to purchase your own insurance plan. So if you haven’t done so yet and intend to, make that your first priority this January. Make sure your providers are still in network Most insured people are familiar with in- versus out-of-network costs, which arise from the discounted rates health plans negotiate with doctors and hospital systems. But some patients don’t realize there’s always the risk that practitioners they’ve seen for years could slide out of their insurance network
HEALTH INSURANCE MEDICAL COSTS OPEN ENROLLMENT PROVIDER NETWORK HEALTHCARE EXPENSES
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