Reply to High Deductible Health Insurance Plan

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[quote=Anonymous][quote=Anonymous]OP, I am the first PP. You have to look at how much the HDHP saves per month in premiums (for us it is a lot; several hundred dollars per month) and if you think that savings will outweigh your out of pocket costs. For us it always has. You also have to weigh if you have the cash flow to fund the out of pocket expenses unexpectedly.

Ironically it seems people with less money want the more expensive plans, because they don’t want surprises financially. We have always come out ahead on the year; but some months we have to outlay a decent amount of money.[/quote]

+1 Agree. We've had one for the past 15 years because I crunched the numbers. Yes, we pay full price for doctors visits. Last year was the first year we hit the deductible because DH had some medial stuff at 59. Never had dental insurance because it's always more expensive. I think a pp said it's a mental shift, and I agree. Lately CVS has been advising me if I should go through ins or not. They said the colonoscopy prep was much cheaper off ins, so I didn't put it through because we probably won't meet our deductible anyhow. [/quote]

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