Tips on Cutting Insurance Costs

Dr. Art Ulene's Tips on Cutting Insurance Costs

  • Deciding you cannot afford insurance and going without it puts your health and your financial future at risk. Don’t do it.
  • Discuss your specific situation with an insurance broker. These professionals are trained to find a plan to meet your needs, matching your risk and financial status.
  • Even young people in good health need health insurance. The trick is to find the right policy to meet your needs.
  • For young people in good health, consider a high deductible plan. It offers low premiums while still protecting against catastrophe.
  • Employer plans, made available to family members, do not always present the best option. Shop around to find out if an independent plan offers your family better coverage at a better price.
  • Check out the Georgetown University Health Policy Institute website, . This site offers in-depth insurance information plus a state-by-state consumer guide on health insurance.
  • Visit for information on free/low cost health insurance for children. A state-by-state guide is also included on this site. For information, call (877) 543-7669.


Many organizations have information that can help you understand your health insurance choices. Some helpful materials and contacts are listed.

"Checkup on Health Insurance Choices"
"Questions To Ask Your Doctor Before You Have Surgery"
AHCPR Publications Clearinghouse
P.O. Box 8547
Silver Spring , MD 20907

"The Consumers Guide to Health Insurance"
Health Insurance Association of America
555 13th St. N.W., 600 East
Washington, DC 20004-1109
(202) 824-1600

"Guide to Health Insurance for People with Medicare"
"Your Medicare Handbook"
"Managed Care Plans"
Health Care Financing Administration
7500 Security Blvd.
Baltimore, MD 21244-1850

"Putting Patients First"
National Health Council
1730 M St., NW, Suite 500
Washington, DC 20036-4505
(202) 785-3910

"Managed Care: An AARP Guide"
American Association of Retired Persons
611 E St., N.W.
Washington, DC 20049
(202) 434-2277

"Choosing Quality: Finding the Health Plan That's Right for You"
National Committee for Quality Assurance
2000 L St., N.W., Suite 500
Washington, DC 20036

"Consumers' Guide to Health Plans"
Consumers' Checkbook
Center for the Study of Services
733 15th St., N.W., Suite 820
Washington, DC 20005
(202) 347-7283

The above Resource list was developed by the Agency for Health Care Policy and Research, U.S. Department of Health and Human Services, Rockville, MD, in cooperation with the Health Insurance Association of America, Washington, DC.

Choosing and Using a Health Plan . AHCPR Publication No. 97-0011, March 1997. Agency for Health Care Policy and Research, Rockville , MD , and the Health Insurance Association of America , Washington , DC .