Hello. I'm a broker with 27 years of experience, and I hope my comments will be helpful.

*Consider HSAs. They aren't for everyone, but if you are healthy, and can use a tax break, it may be worth considering.

*If you smoke, there are some companies that don't charge as much as others. And likewise, some companies have larger non-smoking discounts.

*If you have an individual or family plan, consider raising your major medical deductibles. Often, by raising your deductible from $1000 to $2500, you may save between $750 & $1500 per year!

Feel free to email me at service@ohioquotes.com if you would like any additional information!

Ed