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10 Ways to Spend Less on Prescription Drugs

As health insurers shift more of the cost burden to consumers, the average U.S. worker with employer-provided coverage now pays $9,695 per year in premiums and out-of-pocket costs for a family of four – a 118% increase over the past decade, according to the Milliman Medical Index. If you buy coverage on your own, you may be spending even more.

Prescription drugs are a recurring expense that can really add up throughout the year. Insurers are increasing your share of the tab for certain brand-name drugs, and you’ll pay even more if you don’t follow strict rules such as using specific pharmacies with which insurers have negotiated discounts.

Now for some good news: You can slash your out-of-pocket spending on Rx drugs if you learn the secrets of health insurers and know how to navigate the health care marketplace. Here are 11 easy ways to reduce your drug costs right away.

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