Reply to Anyone have experience with a "high deductible" health insurance plan?

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[quote=Anonymous]OP, how much is your thyroid rx?

When we were shopping for a private plan, I looked at the premiums, how many times we went to the dr, cost of Rx, etc...

The premiums for a high deductible plan is *much* lower than a copay type plan.   I then looked at about how much I would've spent last year on out of pocket expenses + high deductible premium (which, again is much lower).  If the cost of all this significantly lower than the total annual premium for a copay type plan, then it makes sense to go with the high deductible plan.

My DC has asthma, and the asthma rx is damn expensive.  About $250 for a box that may last a few months, depending on how many colds she gets.  Still, the cost of the high deductible premium is so much less than the cost of the copay premium, it made more sense for us to go with the high deductible plan.

*All* out of pocket medical expenses can be tax deductible even without the HSA, depending on your income level.

I really think you should look at the ACA plans and see what kind of help you can get from that.[/quote]

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