Most companies offer rate reduction options to current policyholders.  You should check with your company to see if there are any plans you can switch to so you can save on monthly premiums.  Sometimes the options are to keep your same type of plan and increase the deductible.  Other times you may want to consider changing the type of plan you have.  Many people are switching to HSA plans in order to significantly lower their monthly premiums while getting some tax benefits at the same time.

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