With the current state at your economy many people find themselves without a good affordable health care insurance option; and since he for the time being more pressing issues to deal with President Obama's plan will be a year or more previously coming. I personally started acquiring a hard look at insurance cover when I became self-employed (OK We were laid off and would not afford COBRA) and caught up in by myself recession. The cheapest thing we could find was a $250. 00 per month plan having a $10, 000 deductible. Their wanted dental, vision, prescription and all that jazz Rankings have had to pay more for an addition to the look or purchase a categorically separate plan.
I as well considered an HSA, you know that tax free thing which you can use to buy aspirin and other otc medicines, but God forbid provided lose the receipt (then they won't reimburse what is in essence any money). The HSA would have been independent of the $250 per month insurance plan and I would have used it to pay more for dental, vision, prescription drug treatments, and doctor visits.
In reality I could not buy that much per month for what amounted to simple assurance that when something really, really bad happened my wife and i would be covered. I've a young and healthy dwelling, and we only go to the doctor and dentist for our every year check ups. Therefore, it made no sense that i can pay $250+ per month for those things that doesn't actually cost at least $250-$500 for an entire year price of visits.
The insurance model that I was shopping at (low cost, high deductible plan having a Health Savings account) really only part of what's called Consumer Driven Health Treatment method. There are 3 levels to somewhat of a CDHC type plan:
1. The tax exempt HSA account to get used as stated above
2. The up front payments that you will make with regard to run out of HSA outstanding debts, but haven't met the deductible yet
3. And of course the high deductible insurance policy
Consumer Driven Health Care are a way for consumers to have choices as far as how much to command health care and when to pay it.
For example - since I rarely go to the dentist, I should cover the cost of a (very) small payment period, and when I do go to dentist I could then agree to a reasonable out-of-pocket expense involved in the services I receive.
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