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Group Health Insurance Articles

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Health Insurance And High Deductibles

by Ivon T. Hughes

When most people learn that their family's health insurance coverage is going to cost more, they shop for a more affordable policy. Often the solution is a combination of an insurance plan and a tax-sheltered Health Savings Account.

More than 1 million Americans have made a similar choice, signing up for high-deductible health insurance policies and associated HSAs since the program was introduced in late 2003 according to the Washington-based industry group, America's Health Insurance Plans.

The new plans are a bit complex, but a growing number of insurers offer them.

Under federal law, the policy must have a minimum deductible of $1000 a year for an individual and $2000 for a family; maximum out of pocket expenses; for example, copayments required for surgical procedures, cannot exceed $5100 for individuals and $10,200 for families.

People Help With Their Own Health Insurance

Policyholders, meanwhile, can set up HSAs that they fund with their own money. Employers also can contribute to their workers' HSAs. HSA contributions, generally set an amount equal to the policy's deductible, can best be used to cover health care costs, and unused money can be carried over at year's end. This differs from company sponsored Flexible Spending Accounts, health care savings plans in which unused money is forfeited after Dec 31 of each year.

Some companies are replacing existing catastrophic health coverage plans with the new plans because they see HSAs as a good way for workers to handle the higher deductibles. Others see them as a way of making workers more mindful of health care spending.

Health Insurance For The Young And Uninsured

The new policies are especially attractive to young singles, people in relatively good health and higher income people who can afford to cover higher out of pocket costs.

The new policies also are attractive to small businesses and the uninsured. Of the new policies purchased through eHealthInsurance, more than 40% were purchased by people with annual incomes below $50,000, almost half were families and more than one-third had been uninsured.

Affordable Health Insurance

It's the affordability. Participants get a lower cost premium and the money they probably would have been spending can be run through a savings account to buy day to day medical services.

More companies will adopt the plans because the trend is that more of the burden for health benefits is going to be moved to the employee.

On the other hand, people who can afford to fund the HSAs and don't need to draw them down entirely to cover annual medical expenses will be able to let them grow tax-free. In retirement, the excess savings can be used to purchase long-term care insurance and to pay for other qualified medical expenses.

That means that they're more popular for those approaching retirement age, especially if they don't have company plans available to them.

There are many health insurance alternatives, so it's important that people asses their individual needs.

About the author:
Ivon T. Hughes of The Hughes Trustco Group is a licensed Insurance Broker. Author of The Life Insurance Handbook. - Get a FREE Copy TODAY!
Email: info@trustco.ca Web:

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Group Health Insurance News

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Yahoo! News Search Results for Group Health Insurance
Yahoo! News Search Results for Group Health Insurance

The 411 on Health Insurance (Carteret County News-Times)
16 May 2008 at 8:50pm
(ARA) - You've heard it before; accidents happen. There's a great deal of truth in this oft-quoted statement. It's one reason why you should always have good health insurance, because without it, you ...
Finding Affordable Health Insurance Is Easy (Carteret County News-Times)
16 May 2008 at 1:57pm
(ARA) - Having health insurance gives us piece of mind. But have you ever thought you might be overpaying for your coverage? Or what if you find yourself without health coverage and need to find somet...
A.M. Best Assigns Ratings to Group Insurance Trust of the California Society ...
16 May 2008 at 4:12pm
A.M. Best Co. has assigned a financial strength rating of B++ (Good) and issuer credit rating of "bbb" to Group Insurance Trust of the California Society of Certified Public Accountants (The Trust) (R...
Health insurance costs soar 12% in '08 (Rocky Mountain News)
16 May 2008 at 5:57am
Employers' health insurance costs this year have climbed 12 percent above 2007 levels in Colorado and Wyoming, a survey shows.
A.M. Best Assigns Ratings to Group Insurance Trust of the California Society ...
16 May 2008 at 3:57pm
OLDWICK, N.J.----A.M. Best Co. has assigned a financial strength rating of B++ and issuer credit rating of "bbb" to Group Insurance Trust of the California Society of Certified Public Accountants , a ...
A.M. Best Affirms Ratings of Selective Insurance Group, Inc. and Its Subsidia...
16 May 2008 at 12:30pm
OLDWICK, N.J.----A.M. Best Co. has affirmed the financial strength ratings of A+ and issuer credit ratings of "aa-" of Selective Insurance Group and its seven property/casualty pooling members.
Farmers Insurance 2007 Survey: Olympia, Washington and Metropolitan Area Numb...
16 May 2008 at 4:57pm
Health, prosperity, safety and security are all desirable aspects when it comes to seeking a place to live, work or raise a family. According to the fourth annual Most Secure U.S. Places to Live ranki...
Hartville Group, Inc. Announces Financial Results for the First Quarter of 20...
16 May 2008 at 11:00am
CANTON, Ohio----Hartville Group, Inc. , a provider of health insurance plans for domestic pets, today announced financial results for the Company's three month period ended March 31, 2008.

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Group Health Insurance Blogs

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Technorati Search for: Group Health Insurance
Technorati search for Group Health Insurance

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