5 ways to tame health care costs

Finding affordable health insurance is an annual exercise in frustration for many entrepreneurs. Premiums are rising. Coverage is shrinking. Bad back? High blood pressure? Welcome to the blacklist. Still, there are ways to simplify this grim task.

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Assess your needs
Are you healthy? How much medical attention are you and your workers likely to need this year? Do you have a favorite doctor or a specialist you must see for a certain condition?

You can tailor plans to cover your needs, but remember that more choices equal higher costs. So eliminate benefits that don't make sense for your firm, and consider raising your deductible as high as $2,000 to lower premiums.

NEXT: Shop around
LAST UPDATE: Jan 28 2009 | 9:54 AM ET
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