Who should consider a high-deductible health insurance strategy?
If you are healthier and have some cash in the bank, you may need to look at a high-deductible health insurance coverage.
Cost savings are offered by the plans over conventional health plans due to the large deductible, and they guard you from devastating wellness events.
If you seldom need prescription medications, come in great health, don't have a pre - existing state and do not mean to conceive, you may consider a high - deductible plan. * *
Under these circumstances, you won't have many out-of-pocket costs.
Meanwhile, you can unwind and take pleasure in the comfort of having defense against any costly and sudden medical costs.
The only caveat : enough money should be put aside by You (usually from $ 1, 000 to $ 5, 000, based on your plan), to insure your deductibles and out - of - pocket costs in the event of an emergency. That is why coupling your high-deductible plan with an IRS qualified health savings accounts makes this combination appealing.
(*Note: Some strategies have a one-year waiting period before they cover maternity care or pre-existing problems.)
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