High-deductible Health Insurance Plans May Cost Your More!

Substantially more, as many as 75%, HSA (health savings account) high-deductible health 
plans are being forced upon employees for their health coverage.  This is a substantial 
increase from recent years, and, although it lowers premiums paid or taken out of 
pay-stubs per month it raises out-of-pocket expenses much more than traditional plans.  
To cushion the blow, some employers are paying a part of the high-deductible, but balance 
is the responsibility of the employee.  These pay-out must occur before the insurance 
policy starts.  


Don't be mislead by the lower monthly premium.  For example, for a $5,000.00 deductible 
plan, even if your employer pays for the first $2,500.00, the next $2,500.00 is your 
responsibility before the policy starts to pay.  Once the deductible is met, co-pays or 
percentages-of-payouts remain the responsibility of the employee.