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Health Insurance Texas 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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Health Insurance Texas News

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

Insurance problems for Burmese (Video) (KVII 7 Amarillo)
16 May 2008 at 4:47pm
By Brian Wilkerson Posted: Thursday, May 08, 2008 at 6:22 p.m. Not having health insurance can be pretty scary. Especially if you have moved into a new country, and don't speak the native language.
Value Health Plus and Americare Services to Host Healthcare Symposium and Lun...
15 May 2008 at 5:07pm
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News Station Investigation: Tort Reform Benefits Questioned (FOX 4 News Dalla...
16 May 2008 at 3:13pm
Almost five years ago, Texas voted to make it tougher to sue for medical malpractice. The ultimate goal was better health care, by keeping doctors from leaving the state. So, is it working? FOX 4's Pa...
Allstate Reaches Agreement With Texas Department of Insurance (PR Newswire vi...
12 May 2008 at 8:12pm
Allstate Insurance Company will send refunds or credit the accounts of nearly 700,000 of its current and former Texas homeowner insurance customers. The state's second largest home insurer is also red...
Many children still aren't enrolled in CHIP (Valley Morning Star)
15 May 2008 at 5:07am
WESLACO - Since the Texas Legislature restored some benefits under the Children's Health Insurance Program, Rio Grande Valley enrollment has surged, but the work isn't done, advocates said Wednesday.
Value Health Plus and Americare Services to Host Healthcare Symposium . and L...
15 May 2008 at 5:29pm
and Luncheon for Dallas-Area Small Businesses 15/05/2008 17:07:00 Business Wire Value Health Plus and Americare Services, Inc.
A.M. Best Revises Outlook to Stable of American National Insurance Company; U...
13 May 2008 at 3:13pm
A.M. Best Co. has revised the outlook to stable from negative and affirmed the financial strength rating (FSR) of A+ (Superior) and issuer credit rating (ICR) of "aa-" of American National Insurance C...
Council will take up question of insurance (Corpus Christi Caller-Times)
13 May 2008 at 11:28am
The hottest topics in the last 24 hours. The next step in the lawsuit regarding the city providing health insurance to its elected officials is before those officials today.

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Health Insurance Texas Blogs

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Technorati Search for: Health Insurance Texas
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