http://blog.crossoverhealth.com/2007/08/10/high-deductible-try-low-premium/ The Next Generation of Health Care Fri, 26 Feb 2010 06:55:13 +0000 http://wordpress.com/ hourly 1 http://blog.crossoverhealth.com/2007/08/10/high-deductible-try-low-premium/#comment-64 Michele Fri, 19 Oct 2007 13:14:00 +0000 http://crossoverhealth.wordpress.com/2007/08/10/high-deductible-try-low-premium/#comment-64 I love the concept which supports my complete rejection of socialized medicine. I've read everything I can get my hands on to understand the HSA option and have finally figured out it's for me. There is a wrinkle, however. I am a single mom of three teenagers. My yearly out of pocket for medical/dental is easily $5k. Yesterday an insurance broker shopped the best HSA deals for me and came back with Assurant - $5700 deductible (fine) and a monthly premium of about $550 (NOT FINE!!) I have a POS now for about $390 per month. Uh - where's the "up to 70% lower monthly premium" folks have talked about and how is this going to be better for me? I don't need to increase my monthly expenses just to invest money? I need what I've read to be true - is it????? I love the concept which supports my complete rejection of socialized medicine. I’ve read everything I can get my hands on to understand the HSA option and have finally figured out it’s for me. There is a wrinkle, however. I am a single mom of three teenagers. My yearly out of pocket for medical/dental is easily $5k. Yesterday an insurance broker shopped the best HSA deals for me and came back with Assurant – $5700 deductible (fine) and a monthly premium of about $550 (NOT FINE!!) I have a POS now for about $390 per month. Uh – where’s the “up to 70% lower monthly premium” folks have talked about and how is this going to be better for me? I don’t need to increase my monthly expenses just to invest money? I need what I’ve read to be true – is it?????

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