Consumer Driven Health Plans - a New Approach to High Health Insurance Costs

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With healthcare costs on the rise each year, good effective solutions are usually welcomed with open arms. Here is a real, effective and affordable health insurance solution that will likely save you thousands of dollars each year.

Who this solution is for

If you or your family are relatively healthy, don't over-utilize your benefits, and have few prescription needs, you should consider this as a real solution to problem of high health insurance costs for you or your family.

Find out how much money you could be saving by requesting an instant online quote now!

Or call 877-648-2539 between 8am and 7pm (central time) to speak with a locally licensed agent and get a quote!

Who this solution is not for

Individuals and families that meet their deductible each year, have ongoing medical expenses, utilize their plan often, or have multiple expensive prescriptions, will most likely be better off on a traditional plan. Traditional plans, although more expensive, have low medical deductibles, office visit coverage, and prescription benefits that are typically paid before the deductible.

The Two Parts to a Consumer Driven Health Plan

Part 1: The Qualified High Deductible Health Plan

The first part is the qualified high deductible health plan. This plan replaces your current insurance plan with a high deductible plan. Deductibles typically range from $1,400 to $6,050 for individuals and $2,400 to $12,100 per family.

Your high deductible health plan won't cover much until you reach your deductible, but it won't cost much either. The amount you pay in health insurance premiums will be much less than it would be on a traditional plan. This is the biggest benefit of using a consumer driven plan. But, the benefits don't stop there.

Part 2: Health Savings Account

The second component of the solution is the financial account, or the health savings account (HSA). Once you have a qualified high deductible health plan in place, you are eligible to open up a health savings account. This is simply a checking account that offers tax benefits.

Since your deductible is high and you are responsible for the everyday expenses, you can deposit money into your health savings account. When you do so, the amount you deposit becomes tax deductible. You use the funds in your account to pay for medical, dental, vision, and other expenses.

There are few solutions to rising healthcare costs that are as effective and affordable as this one. Find out how much money you could be saving by requesting an instant online quote now!

Or call 877-648-2539 between 8am and 7pm (central time) to speak with a locally licensed agent and get a quote!

Consumer Driven Health Plans

The new approach to lowering your health insurance costs