High Deductible Health Insurance Plans For Individuals and Families

by Michael Ertel

Do you pay more attention to your car than your body? You change
your oil every 3000 to 4000 miles. You have your tires rotated
every other oil change. Your air filter and brake pads are
changed at the appropriate intervals.

Now, what about your body? You follow the recommended AMA
guidelines for routine check ups and other healthcare services.
You pay special attention to make sure you eat a balanced diet
and always take the time to get enough exercise. The reality is
many Americans pay more attention to the maintenance of their
car than they do their body.

>From an insurance perspective, your automobile insurance company
has a certain expectation that you will take reasonable care of
your car. Things such as the routine maintenance of brakes and
making sure your turning signals work properly are expected by
your insurance company. Basic common sense says that proper
automobile maintenance reduces traffic accidents and saves both
you and your insurance company money.

Health insurance consumers can benefit by taking a similar
approach to taking care of their body. For the average American,
regular exercise, routine check ups and following your doctor’s
advice will reduce your healthcare costs in the long run. It is
really very simple. By doing the things necessary to stay
healthy, you will need to seek medical care less frequently.

Even with a commitment to stay healthy, you will still need
health insurance coverage to take care of the unexpected and
sometimes unavoidable catastrophic situations. However, instead
of paying the insurance company for a $250 deductible, many
individuals would benefit by purchasing a high deductible health
insurance plan. Depending on the specific situation, it is not
uncommon for individuals and families to save up to 25% on
premiums with a high deductible plan. Health Savings Accounts
(HSAs) can then be set up to coordinate with the high deductible
plan. Approaching health care and health insurance wisely will
benefit both your body and pocketbook.

About the author:
Michael Ertel is the founder of
http://www.MedicalInsuranceNow.com which is a website that
assists individuals and small business owners by providing side
by side comparisons of health insurance alternatives.

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