5-step strategy I use to cut costs with a high-deductible health plan - Business Insider

for prices and coupons at more than 70,000 U.S. pharmacies. I compared prices for my two monthly prescriptions before deciding where to fill them. You'll also notice a big difference in the cost of procedures. To save on bigger expenses, ask your doctor for referrals. TryMy doctor asks for an ultrasound every two years to monitor my thyroid. By comparing options, I've been able to score a reasonable price for an otherwise costly test.

I start by combing through 12 months of checking and credit card statements, using the data to draft a list of the year's expenses. Then I separate them into two categories for next year — one-time expenses and ongoing costs. It's an opportunity to look at my spending. I've made mistakes, like using out-of-network providers or overpaying for prescriptions. I'll make a mental note, or set reminders, to make different choices for next year.

By the end of my audit, I tally my total out-of-pocket expenses. I divide the number by 12 and add a line item to my monthly budget. By setting the money aside every month, it's often less painful when the bigger bills arrive.If you've been putting off a non-emergency procedure, start planning for it now. Like other out-of-pocket expenses, you can start saving for it every month. One benefit of this strategy is some providers may offer a discount for paying in cash.

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