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UnitedHealthcare answeredWhether you have employer-sponsored group health insurance or private individual insurance, there are several ways you may be able to lower costs. If you’re married and are both enrolled as individuals in your employer-based health insurance plans, you may want to compare the policies and their costs to see which one best fits your needs. Don't just look at the monthly amount but evaluate covered services, co-pay requirements, deductibles and reimbursement levels so that you can make the best choice for your family and your budget. Regularly review your situation, and adjust your options to meet you or your family’s changing needs. Stay in-network as much as possible as you will likely pay less for services, making sure to obtain referrals if needed. Know your plan, and make sure you comply with requirements to maximize your cost savings.Helpful? 2 people found this helpful.