Open enrollment for health coverage starts on November 1, giving New York families just over eight weeks to compare plans and look for savings. Instead of letting a current plan automatically renew, experts suggest a quick review to see if better options or extra benefits are available.
Review your existing plan
Consumer specialist Trae Bodge warns that plans change each year—new providers may join the network, and new options can appear. “Don’t just set it and forget it,” Bodge says. Checking for updates can reveal lower premiums or added services.
Earn points and discounts
Some insurers offer incentives for healthy habits, such as checking in at the gym via an app or completing preventive doctor visits. These activities can earn points that translate into lower out‑of‑pocket costs.
Prescription‑savings programs
GoodRx, a widely used prescription‑price comparison site, offers a companion membership that helps users manage medication costs. Senior Vice President Divya Iyer notes that many New Yorkers face underinsurance—coverage exists, but high out‑of‑pocket bills can limit access to needed treatment.
The GoodRx companion program costs $14.99 a month (or $149.99 annually) and provides up to 250 generic medications at no charge to members. While users should always consult a doctor before switching to a generic, the program also lets shoppers compare pharmacy prices nearby.
Use coupons and manufacturer programs
For brand‑name drugs, especially popular GLP‑1 weight‑loss injections like Wegovy, Ozempic, and Zepbound, manufacturers often run self‑pay assistance or coupon programs that lower cash prices.
Consider larger supply sizes
Patients with chronic conditions can often request a 30‑ to 90‑day supply of medication, which usually reduces the per‑day cost compared with monthly refills.
Health Savings and Flexible Spending Accounts
HSAs and FSAs let families set aside pre‑tax dollars for qualified medical expenses, including doctor visits, prescription eyewear, exercise equipment, and even certain skincare products. Using these accounts can lower taxable income while covering health‑related costs.
By taking these steps before the November 1 deadline, New York families can protect their budgets and ensure they have the coverage they need for the coming year.
Original reporting: Brookhaven News – ABC7 New York — read the source article.
