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NBC News

New year, new health benefits? Here's how to keep your out-of-pocket costs down.

NBC News
Summary
Nutrition label

82% Informative

Some 164.7 million Americans receive health care benefits through their employers, KFF estimates.

Make sure your providers are still in network.

Check whether your plan is self-funded or fully funded in your plan documents.

Review your medications to see if your plan’s formulary is covered.

Your deductible could have changed even if you re-enrolled in the same benefits this year .

The average deductible for employer-sponsored plans in 2024 was $ 1,787 for single coverage and $ 4,991 for family coverage.

After you hit your deductible, some plans will still require you to cover a certain amount (a copay) or percentage (coinsurance) of each bill.