Most people wouldn’t argue that medical insurance is a necessary expense, but it’s also one that not everyone can afford. Fortunately, there are ways to reduce your costs when it comes to keeping your family protected.

Shop around. Doing a few price checks will allow you to find the best deal for your family. Just be sure that you’re comparing the same types of packages and that any price comparisons are for the exact same coverage options.

Set a budget. How much can you actually afford to pay on health insurance? Keep in mind that some things will still need to be paid out of pocket, so you’ll have to deduct those costs from the health insurance budget.

Decide what you really need. Not every family needs the same type of medical insurance. If you’re a married couple, your needs will be quite different from a family with three children. Only purchase the coverage you actually need and don’t let the salesperson talk you into something much more expensive.

Medical insurance is a part of life and perhaps not a great part when you have to pay. However, when you’re sick or injured, knowing that you are protected is a big plus.