some employers will also contribute to your HSA accounts to make HDHPs more enticing for you because it’s more affordable for them.comes with a health savings account (HSA) which you can move money into pre-tax to spend on medical expenses.you get 100% coverage for the basics of preventive health care (annual check-ups, vaccinations, initial mammograms, colonoscopy, etc.).What is a high-deductible insurance plan?Ī high-deductible insurance plan (HDHP) sounds like a great idea at first: Let’s take a closer look at HDHPs and what to do if you’re currently enrolled in this type of insurance plan, with insights from Christel Marchand Aprigliano, chief advocacy officer at Beyond Type 1. Having health insurance coverage of any type qualifies you for copay cards, which can lower your out-of-pocket cost for some medications. That being said, some type of health insurance is better than no health insurance at all. You are aging and thus more likely to develop new health concerns.You have young children-who are likely to experience the flu, ear infections, etc.
You have a chronic illness or other ongoing health condition.When choosing a healthcare plan, the HDHP may look tempting due to its lower premium costs, but it’s critical to consider other factors that affect your overall medical expenses.Īn HDHP likely isn’t going to save you money if: Instead, HDHPs are ideal for people with minimal healthcare needs including doctor’s appointments, medications, and medical technology. For a person with any type of diabetes, a high-deductible health plan (HDHP) isn’t usually a cost-saving option, although they are often touted as such.
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