Low deductibles and small copays can raise premiums by up to 40% because they encourage frequent claims for minor services. A health savings account offers a different approach to covering routine care like checkups and flu shots without inflating insurance costs.
Here's the problem.
According to the Agency for Healthcare Research, low deductibles and small copays can increase the cost of your health insurance by as much as 40% because minimal copayments make it easy for us to submit insurance claims for minor healthcare expenses that we can afford to pay without insurance. Of course, we all need insurance to cover major healthcare expenses like surgery or hospitalization. But expecting our health insurance to pay for minor medical expenses like checkups, flu shots, and teeth cleaning is like expecting our auto insurance to pay for routine maintenance like oil changes, tune-ups.
What's the solution?
A tax-exempt health savings account and low-cost major medical insurance. It's a combination that can reduce the cost of your insurance by as much as 40%, minimize your rate increases, allow you to choose your own healthcare benefits, and pay for all your healthcare expenses with tax-deductible dollars. Here's how it works. A health savings—
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