---
title: 10 Tips to Help Reduce Healthcare Spending
description: While rising healthcare costs cannot be controlled, they can be managed by becoming an informed consumer.
---

[Employee Benefit News for School, City and County Employers ](https://blog.nisbenefits.com)

# [10 Tips to Help Reduce Healthcare Spending](https://blog.nisbenefits.com/10-tips-to-help-reduce-healthcare-spending)

 Written by [Erin Woulfe](https://blog.nisbenefits.com/author/erin-woulfe) | Jun 24, 2025 8:00:00 PM

Healthcare costs are on the rise, leading to higher premiums, deductibles, and copayments for employees. Industry surveys project a 7% to 8% increase in healthcare costs by 2025. Although employees cannot control these rising costs, they can take steps to reduce or manage their healthcare spending.

1. **Enhance your health plan knowledge.** It is important to know what a health plan covers and does not cover. Understanding the coverage, including terms like deductible, coinsurance, and copays, is essential for managing expenses effectively.
2. **Stay in network.** Health plan partners with select providers to reduce costs. Discounts are unavailable out-of-network, so it is important to check the plan for in-network options.
3. **Focus on prevention.** Combining preventive care services with a healthy lifestyle can lead to significant savings, as most health plans cover these services at no cost.
4. **Ask questions.** It is advisable to ask doctors about cost-effective alternatives for procedures or services.
5. **Go generic.** Generic drugs are cost-effective and equally effective as brand-name options. Consulting a doctor or pharmacist for alternatives is recommended.
6. **Shop around.** Utilizing tools and apps to compare prices for medications, procedures, and services is beneficial, as costs can vary significantly between providers.
7. **Leverage flexible spending accounts (FSAs) and health savings accounts (HSAs). **Contributing to an FSA or HSA can save money on medical expenses using pre-tax dollars.
8. **Review your medical bills.** Checking medical bills for errors and contacting the provider or insurance company to correct any discrepancies.
9. **Use the emergency room appropriately.** Opting for urgent care over the emergency room for non-life-threatening issues is usually more cost-effective.
10. **Participate in workplace employee wellness programs.** Utilizing employer wellness programs can provide incentives like health insurance premium discounts.

 

## **Summary**

While rising healthcare costs cannot be controlled, they can be managed by becoming an informed consumer. Being proactive, asking questions, and maintaining a healthy lifestyle are key strategies. Download the [bulletin](https://blog.nisbenefits.com/hubfs/blog-supporting-docs/bulletin-save-hc-costs.pdf) for more details.

 

 

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