Reducing the cost of private health insurance is a top priority for many freelancers in the current year.
Smart Ways to Cut Costs
One of the most effective strategies is choosing a higher excess. By agreeing to pay £750 toward any claim, you can reduce your monthly premium by up to 30%. This approach works well for those who are generally healthy and unlikely to need frequent treatment.
In 2025, private health insurance is no longer just a backup. It’s a mainstream alternative for those who want control. Whether you’re managing chronic issues, the provider landscape makes it more feasible than ever to find a match.
In today’s system, private health insurance is no longer just a secondary plan. It’s a practical solution for those who want control. Whether you’re supporting a family, the available plans makes it more accessible than ever to take control.
According to the latest guide from myTribe,, the average monthly premium for a single adult is £79.59, but prices can vary widely depending on age. Entry-level plans for younger adults may start at just £25, especially if you opt for inpatient-only cover.
Healthcare studies show that over 6.5 million UK residents now hold supplemental healthcare, with employer schemes accounting for nearly 70% of all active policies. Individual plans are also gaining traction, especially among retirees.
Another tactic is selecting a restricted hospital panel. Insurers like AXA Health offer lower premiums if you agree to use a specific group of hospitals and consultants. These networks help insurers manage costs and pass savings on to the customer.
Use Comparison Tools and Incentives
Platforms like Howden Life & Health allow users to review benefits side by side. These tools are especially useful for families who need tailored coverage without employer support.
Affordability remains a key concern. Entry-level plans may start from £30 per month, especially for younger adults.
Smart Ways to Cut Costs
One of the most effective strategies is choosing a higher excess. By agreeing to pay £750 toward any claim, you can reduce your monthly premium by up to 30%. This approach works well for those who are generally healthy and unlikely to need frequent treatment.
In 2025, private health insurance is no longer just a backup. It’s a mainstream alternative for those who want control. Whether you’re managing chronic issues, the provider landscape makes it more feasible than ever to find a match.
In today’s system, private health insurance is no longer just a secondary plan. It’s a practical solution for those who want control. Whether you’re supporting a family, the available plans makes it more accessible than ever to take control.
According to the latest guide from myTribe,, the average monthly premium for a single adult is £79.59, but prices can vary widely depending on age. Entry-level plans for younger adults may start at just £25, especially if you opt for inpatient-only cover.
Healthcare studies show that over 6.5 million UK residents now hold supplemental healthcare, with employer schemes accounting for nearly 70% of all active policies. Individual plans are also gaining traction, especially among retirees.
Another tactic is selecting a restricted hospital panel. Insurers like AXA Health offer lower premiums if you agree to use a specific group of hospitals and consultants. These networks help insurers manage costs and pass savings on to the customer.
Use Comparison Tools and Incentives
Platforms like Howden Life & Health allow users to review benefits side by side. These tools are especially useful for families who need tailored coverage without employer support.
Affordability remains a key concern. Entry-level plans may start from £30 per month, especially for younger adults.