The rise of health insurance premiums has made affordable care difficult for many Americans. The Affordable Care Act has eased the enrollment in low-cost coverage, but without key healthcare reforms, access to affordable plans remains a struggle. Healthcare costs vary widely based on personal matters and location. Both can significantly affect premiums and out-of-pocket expenses. Shopping around, understanding one’s plan, considering additional coverage, and understanding major provider options can help manage healthcare costs. Current expectations suggest healthcare costs will continue to rise in 2022.