Most Affordable Benefits Through
High Deductible Health Insurance

High deductible health insurance now offers the most affordable coverage option. Affordability of traditional plans has eroded for the following reasons:

1. We’ve lost focus on the true purpose of insurance. It is supposed to provide protection against a possible catastrophic loss, not against the risks of everyday expenses;

2. Most individuals and employers have not spent wisely on health coverage. We have paid much higher premiums to get plans with low deductibles, low co-pays, high co-insurance factors and low out-of-pocket limits;

3. With traditional plans, consumers, especially employees with health benefits, have had little or no investment in their healthcare. They have not shopped for value. They have been free-spenders, because in their minds, they were not spending their own money;

4. Traditional plan design has rewarded sickness, not wellness. We get more of what we reward. We have gotten more sickness, more claims and more expense. Healthcare costs have spiraled.

Want to get out of that whirlwind of healthcare costs? Want to get your most affordable solution? This is where we start, with high deductible health plans.

Traditional Plans Produce A Sickness Culture:

Low-deductible health plans reimburse every day expenses. Because of this, traditional plans have higher premiums. We pay more up front in order to avoid paying more of the actual medical expenses.

This is not the most affordable option for 92 percent of consumers, because only about eight percent reach their annual deductible. This imbalance also promotes more claims, higher expenses, increased work absenteeism, reduced work performance and productivity.

As long as we continue to get low deductible plans, healthcare consumers will continue to get more sickness and higher costs. We get what we reward. We are rewarding reduced levels of health, life quality and longevity.

Because traditional plans became an integral part of our insurance culture, those who get their own personal or family plans or do not have employer-paid health benefits, have much the same outlook on insurance as employers and employees. They are used to having early dollar coverage for claims.

What If Employees Must Change To High Deductible Health Plans?

A Harris poll surveyed employees who have traditional plan benefits. If necessary to save their jobs, 63 percent of employees polled would give up their low deductible benefits for a consumer directed plan. In fairness, employees would want employers to apply a portion of any insurance savings to help compensate employees for any increased health expenses.

High Deductible Health Plans (HDHP):

More and more, small employers have been forced to either discontinue employee healthcare benefits or change to consumer directed plans both to get affordable health insurance and to survive financially. The higher value benefit of high deductible plans applies to individuals and families every bit as much as to employers and employees.

A key question for consumers is how can you manage your health insurance if you are not trained or experienced in handling your healthcare business? For nearly 70 years, most consumers have had their health benefits administered through their employer. Many people need information and help. Without it, they flounder until they learn the ropes.

Employees or inexperienced consumers going to high deductible plans have not fared well initially without assistance programs. However, with information, advice and assistance for consumers, the high deductible plans have produced surprisingly positive benefits. Better medical results and better healthcare system results.

Your Most Affordable Health Insurance Solution:

When the consumer directed plan is implemented as the backbone of a Fitness Culture, with assistance programs for consumers, the results can be lower costs, improved health and wellness, reduced work absenteeism, better work performance, and higher productivity, as well as improved fitness, life quality and longevity. That’s the essence of your most affordable and most effective healthcare solution!

Your Fitness Culture And Assistance Programs:

The high deductible plan offers the most affordable health insurance design. It is also the best core on which to build your Fitness Culture and the Medical Self Care Programs for Prevention and for Affairs Management.

Most consumers want to mind their own healthcare affairs. But, they are fearful about what they don’t know about healthcare. With your Fitness assistance programs, you can be confident you won't be left to sink. As your own healthcare affairs manager, you can save time and money, while getting better results.

You'll can get information, advice, assistance and advocacy services as you need them. You can do most of it online. If necessary, you can call and talk to someone who knows how to navigate the healthcare system. With information and assistance, you can effectively manage your own affordable healthcare solutions in less time, at lower cost.

If you are an employer, you will not have to be involved in administering healthcare. You will get reports on fitness program progress and costs. But, through consumer directed plans you can get more affordable health insurance as you get out of managing employee healthcare affairs. Then, you can focus on your real business, the reason you got into business.

Tax Benefits:

With the high deductible insurance plan, the federal government permits tax advantaged accounts that can be utilized to cover health plan deductibles and expenses. These tax benefits enhance high deductible plans as a most affordable health insurance solution.

Health Savings Accounts (HSA): An HSA uses the concept of insurance in a format similar to a medical Individual Retirement Account (IRA). An HSA can only be used in combination with a high deductible insurance policy. Contributions to an HSA are from pretax funds and can be made by the plan owner, an employer, employee or anyone else.

Use of a high deductible plan with an HSA permits optimal withdrawal by the employer from employee healthcare affairs. A more definitive explanation can be found at HSA’s.

To review help available for consumers, go to the Fitness Culture and to the Wellness Assistance Programs for Prevention and for Affairs Management.

If you have questions or need additional information, go to our Contact Us page.

WARNING: NEVER CANCEL YOUR CURRENT INSURANCE UNTIL REPLACEMENT COVERAGE IS APPROVED AND IN PLACE.

To get Personal Quote instructions, go to Individual Quotes Guide or to Family Quotes Guide.

To get Employer Group Quote instructions, go to Group Quote Guide.