5. Package your benefits. Some insurance carriers provide discounts if you purchase multiple types of insurance from them.<\/p>\n
4. Check out alternative methods of funding your insurance. Self insurance is popular in the middle to large group market, but now some carriers are offering self insurance for small groups.<\/p>\n
3. Explore plans with higher deductibles and co-pays. The higher the deductible and co-pay are, the lower your premiums will be. This will increase out of pocket expenses, but for some groups with low utilization; this may be a good alternative.<\/p>\n
2. A mini-medical plan with high deductibles and limited benefits may be a wise choice for young workers who don\u2019t need a richer benefit plan.<\/p>\n