• Coinsurance
  
• Eligible Expenses
  
• Managed Care
  

• What is a health savings account?
  
• What is a high deductible insurance plan?
  

By understanding the trade-off between premium and benefits you can better determine what is best for you.

The spiraling cost of health insurance has forced us to rethink how insurance should be bought. When insurance premiums were inexpensive, there was very little difference between a low deductible and a high deductible. That is no longer the case. Now it makes more sense to take a closer look at the benefits of high deductibles. Even in the worst case, when you have a significant medical expense, you are still likely to be ahead of the game financially by choosing a high deductible plan.

Look at the actual premium* comparison between a low deductible co-pay plan and a high deductible plan - then decide what is best for you.

* Actual premium based on two adults, age 40 and two children.
** Plan A is subject to two OOP maximums per family. Plan B is subject to only one OOP maximum per family.