Does anyone know of a high deductable, low premium health insurance?

Question

I am looking for a catastrophic insurance policy where I would have a deductable of $10,000... I would pay for office visits and prescriptions.

Answer 1

Most health insurance companies offer these catastrophic/major medical insurance plans. As you are probably aware, many people are combining high-deductible health plans (HDHPs) with health savings accounts (HSAs). HSAs allow you to put aside money to be used for qualified medical expenses. The money you contribute is triple tax-free: contributions are tax-deductible, interest earnings are not taxed, and withdrawals are tax free as long as they are for qualified medical expenses. Not all HDHP qualify for a HSA, however.

If you want to quickly comparatively assess local health plans and speak to state-licensed health insurance agents without cost or obligation, check out MostChoice.com. You can find it here:

http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes@MostChoice

Answer 2

You can get quotes in just a few minutes at - QUOTESTOASSURE.INFO-

RE Does anyone know of a high deductable, low premium health insurance?

I am looking for a catastrophic insurance policy where I would have a deductable of $10,000... I would pay for office visits and prescriptions.

Answer 3

I would highly suggest "Health Savings Account-Eligible" plans- additionally you can also save premiums if you do not need maternity coverage, which some H.S.A. eligible plans will offer. Educate yourself on plans available, high deductible plans in my opinion are the wave of the future of Health Insurance. The consumer will be asked to pay for all medical services up to the deductible, after the deductible has been met co-insurance (a percentage of the amount billed) normally 20 - 30% is your responsibility up to the max. out of pocket. The most important part of any policy is the "max. out of pocket" this is the amount including the deductible that must be paid annually.

Feel free to contact me, I offer free advice.

HSAInside.com
Rudy Rivas, President
Health Insurance Expert since 1991

Answer 4

Health Savings Accounts (HSA) are high deductible health insurance plans. The deductible is about $5,000 and your contributions can build value on a tax-free basis.

Answer 5

You should definatley check with a local insurance broker and look into an HSA (Health Savings Accounts)account.

They are high deductible, low cost plans, and your contributions are tax free

Answer 6

Every insurance company offers these types of plans.

Assurant has such a plan that I like, It has a rider on the policy that pays your deductible if you have a heart attack, stroke, coma, third degree burns, cancer, kidney failure or a major accident.

It depends on which state you are in if this would be available to you and Your rate would vary depending on sex, age and any pre-existing conditions.

Answer 7

Check with your local Blue Cross Blue Shield plan. They have great catastrophic loss policies.

Answer 8

Get insurance quotes

Answer 9

I always refer them for my insurance plans for health, auto, life etc. They have some very low premium plans,
"http://www.dpbolvw.net/email-1961891-10425134"