How to cut your family's healthcare costs (even if you have insurance)

Christian Post ^ | 06/19/2026 | Chuck Bentley

[SeekAndFind]

Healthcare is one of the largest expenses for American families. It rivals housing and exceeds what many save for retirement each year. According to recent surveys from the Pew Research Center, many families rank healthcare affordability among their top economic worries. The high cost of insurance premiums, prescription drugs, deductibles, or unexpected medical bills places tremendous strain on household finances.

I hope this article can help those who are caught in the strain of this right now.

Why is healthcare so expensive?

High costs are due to a combination of factors: advanced medical technology, rising prescription drug costs, administrative complexity, insurance overhead, provider shortages, chronic disease, and an aging population. Unlike most purchases, consumers rarely know prices upfront, which reduces competition and makes it difficult for market forces to control costs.

For a typical family of four with employer-sponsored health insurance, the total annual premium averages about $27,000 per year ($2,250 per month). Employers pay most of that cost. The average employee contribution is about $6,850 per year ($571 per month), with employers covering the remainder.

Yet premiums are only part of the cost. There are deductibles, copays, coinsurance, prescription costs, and out-of-pocket expenses. When those are included, total annual healthcare costs for a family of four can run over $35,000 (including both employer and employee spending plus out-of-pocket medical expenses).

Families who purchase insurance without employer assistance find that costs vary widely based on age, location, plan, and income-based subsidies. Unsubsidized marketplace plans for a family of four can easily exceed $1,500–$2,000 per month in premiums alone.

Practical steps

• Stay in-network and use preventive care. Providers who are out-of-network often charge double the in-network rates. Regular checkups, screenings, exercise, healthy eating, and preventative care can reduce long-term healthcare expenses while improving quality of life.
• Understand your coverage. Aim to fully understand deductibles, copays, provider networks, and coverage options to avoid overpaying. An annual review helps you make better healthcare decisions and avoid unnecessary expenses.
• Shop for services when possible. Prices for medical procedures can vary significantly between providers. For non-emergency care, compare costs, ask for cash-pay discounts, or use price transparency tools to locate substantial savings.
• Health Savings Accounts (HSAs) can be valuable. The tax advantages help families save for current and future medical expenses.
• Build your emergency fund. Set aside money to prevent healthcare costs from becoming debt burdens.
• Review prescription costs regularly. Check out generic medications, discount programs, and mail-order options.

Under- or uninsured?

For millions of Americans, routine medical care can be financially overwhelming. Thankfully, there are options.

Health sharing programs can cost 30–50% less than traditional coverage. This can be an excellent option for those without major health conditions. See pros/cons and charts at the link.

Many hospitals and healthcare systems offer financial assistance programs for low-income and uninsured patients. These can significantly reduce, or in some cases even eliminate, certain medical bills. Simply ask if you qualify.

Community health clinics and federally qualified health centers often provide primary care, screenings, and preventive services on a sliding fee scale based on income. They can be an affordable alternative for ongoing healthcare needs.

Negotiate medical bills. Many providers offer discounts for prompt payment, self-pay patients, or payment plans.

Lower prescription costs through generic medications, discount programs, manufacturer assistance programs, and pharmacy comparison tools.

Review eligibility for public programs such as Medicaid or state-specific healthcare assistance. Circumstances change, and some families qualify without realizing it.

You may qualify for free or low-cost health insurance. Read this GoodRX report.

Recently, two of my friends sought medical care outside the United States. While costs may appear much lower at face value, be very careful to determine the overall costs and quality of care before making this choice.

Medical billing errors

The Patient Advocate Foundation estimates that about half of all medical bills have some kind of mistake. If you suspect an error, dispute the charge. Be persistent and patient. It usually takes several calls to get a resolution. Wait to pay the bill until receiving an explanation of benefits (EOB) or a Medicare Summary Notice. See Kiplinger.com.

Steward your health

From a stewardship perspective, caring for our health and that of our family is a God-entrusted responsibility. We cannot control healthcare prices, but we can take wise steps to seek care, ask questions, plan ahead, and use resources applicable to our situation.

Healthcare challenges can feel overwhelming, but small, informed decisions today can make a significant difference tomorrow. As costs continue to rise faster than wages, proactive stewardship through healthy living, emergency savings, understanding insurance options, and planning for medical expenses becomes increasingly important. Addressing health concerns early is usually less expensive than a trip to the emergency room.

Healthcare costs remind us of a stewardship principle that involves planning ahead. “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty”(Proverbs 21:5 ESV). We cannot control every medical expense, but we can prepare wisely and make informed decisions.

Healthcare costs will likely remain a challenge for many families. Remember to pray and ask the Lord for His help. Many have experienced God's intervention in healing and provision. We can also do our part with personal diligence, planning, healthy habits, and wise stewardship. My prayer is these steps will ease some of the financial pressure and help you navigate rising costs more effectively.

If credit card debt is stretching your budget and making healthcare costs feel overwhelming, Christian Credit Counselors can help. As a trusted Crown partner, they provide personalized debt management plans designed to reduce debt, lower financial stress, and help you regain control of your finances.

Chuck Bentley is CEO of Crown Financial Ministries, a global Christian ministry, founded by the late Larry Burkett. He is the host of a daily radio broadcast, My MoneyLife, featured on more than 1,000 Christian Music and Talk stations in the U.S., and author of his most recent book, Economic Evidence for God?.

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TOPICS: Health/Medicine; Society
KEYWORDS: cost; healthcare; insurance

[griswold3]

End Health Care Monopolies. They are illegal!

[Sequoyah101]

Solution?

Die.

[Bobbyvotes]

My healthcare costs have been ZERO for 20 years. I am sure it is because I began a disciplined daily exercise program at age 60. Now at age 86, I am athletic enough to attend Zumba dance class every week.

[Fai Mao]

Medical Tourism.

[SeekAndFind]

RE: Solution? Die.

Well, that’s the Canadian solution.

[YouGoTexasGirl]

Claim to be an illegal.

[Sequoyah101]

Well, there is that option too.

You can also just pretend you don’t know what is going on and crash an emergency room.

[ConservativeMind]

You are doing what everyone should do.

Keep it up.