High Deductible Health Insurance Plans For Individuals and Families

Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tires rotated every other oil change. Your air filter and brake pads are changed at the appropriate intervals.

Now, what about your body? You follow the recommended AMA guidelines for routine check ups and other healthcare services. You pay special attention to make sure you eat a balanced diet and always take the time to get enough exercise. The reality is many Americans pay more attention to the maintenance of their car than they do their body.

From an insurance perspective, your automobile insurance company has a certain expectation that you will take reasonable care of your car. Things such as the routine maintenance of brakes and making sure your turning signals work properly are expected by your insurance company. Basic common sense says that proper automobile maintenance reduces traffic accidents and saves both you and your insurance company money.

Health insurance consumers can benefit by taking a similar approach to taking care of their body. For the average American, regular exercise, routine check ups and following your doctor's advice will reduce your healthcare costs in the long run. It is really very simple. By doing the things necessary to stay healthy, you will need to seek medical care less frequently.

Even with a commitment to stay healthy, you will still need health insurance coverage to take care of the unexpected and sometimes unavoidable catastrophic situations. However, instead of paying the insurance company for a $250 deductible, many individuals would benefit by purchasing a high deductible health insurance plan. Depending on the specific situation, it is not uncommon for individuals and families to save up to 25% on premiums with a high deductible plan. Health Savings Accounts (HSAs) can then be set up to coordinate with the high deductible plan. Approaching health care and health insurance wisely will benefit both your body and pocketbook.

Michael Ertel is the President of Ertel & Company ( http://www.ertelandcompany.com ) and has over 15 years of experience in the health insurance business. He is the founder of http://www.MedicalInsuranceNow.com which is an internet based service that assists individuals, families, and small business owners by providing side by side comparisons of health insurance alternatives and the convenience of applying for health coverage online.

---

Guide to Life Insurance Terms

Listed below is a useful guide to life insurance terms.... Read More

Finding California Truck Insurance

It's very easy to find California truck insurance on the... Read More

What is Travel Insurance?

Travel Insurance is designed to protect your health, belongings, and... Read More

Long Term Care Insurance How Much Should I Buy?

Long-term care insurance policies have a variety of features and... Read More

Credit Card Insurance

A word of warning about Credit card repayment protection schemesThe... Read More

Self Employed Health Insurance - Tips For Getting Cheap Health Insurance When Youre Self Employed

If you're self-employed and facing high health insurance bills, there... Read More

Health Savings Accounts (HSA): Do They Vary From State to State?

The Health Savings Account (HSA) is an amazing tool that... Read More

Canadian Funeral Insurance: Our Final Gift to Those We Love

Most of us don't like thinking about our own funerals,... Read More

Terrorism: Acts of Terrorism: When Will Insurance Respond?

Insurance policies provide financial protection in a broad range of... Read More

Do You Pay Too Much For Your Car Insurance?

Do the premiums just seem to get higher and higher... Read More

What to Look for in Good Health Insurance

Health insurance is a kind of protection that provides payment... Read More

Alternate Risk Transfer (ART) - Insurance Strategies

Risk ManagementAlternate Risk Transfer is a fancy way of saying... Read More

Individual Health Insurance Plans - How To Find The Best Provider Online

Whether you are self-employed or a small business owner, finding... Read More

Apply Online for Temporary Health Insurance

There are times when you'll find yourself temporarily without health... Read More

Your Cars After-impact Diminished Value

The(ACV)Actual Cash Value Policy DOES NOT insure the property itself... Read More

Are You Sure That Heirloom Oriental Rug From Your Aunt Hilda Is Really Insured?

Gone are the days of the cinder block and wood... Read More

Online Health Insurance Quotes - Finding The Cheapest Rates Possible

Shopping for health insurance can be very discouraging when you... Read More

Health Insurance Plans and their Differences

Health insurance plans have changed dramatically over the past ten... Read More

Affordable Life Insurance!

So, you've decided to purchase life insurance. Well then, you... Read More

Life Insurance Careers

Do you like to spend all day being sitting around?... Read More

How Is Your Auto Insurance Policy Price Determined?

The average auto insurance policy price is derived from a... Read More

UK House Insurance - The Risk of Under-insurance

For many years in the UK, motor insurance has been... Read More

Entrepreneurs, Fill in the Gaps of Your Homeowners Policy

Business Owners Policies for the Self-EmployedWho needs a business owner's... Read More

Health Insurance And Insurance Brokers

If you are in the market to purchase your own... Read More

Do Insurance Premiums Increase Every Year?

Many people ask, "If I am supposed to get a... Read More

Taking The Mystery Out Of Long-Term Care Insurance

Here's the good news: with improvements in medical technology and... Read More

Discount Life Insurance Will Give You The Best Protection You Need

There is always a chance that there is a better... Read More

Home Insurance Terms

Home insurance, or even homeowners insurance, is an insurance policy... Read More

Gain An Advantage Over Your Competition By Controlling The Cost Of Your Health Insurance

As many of us expect, the New Year will bring... Read More

Insurance in Northern Ireland: Historic Difficulties

No doubt most readers will have heard of the Northern... Read More

Filing Auto Insurance Claims: The Basic Steps to Take

An automobile accident can be a terrifying event for anyone,... Read More

Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal... Read More

How Much Renters Insurance Do I Need?

When obtaining renter's insurance it is important to put serious... Read More