care costs. High deductible health plans must meet a minimum deductible dollar amount to qualify, and there must be a maximum dollar amount which the maximum out-of-pocket expense may not exceed. In Virginia, many health insurance companies have these high deductible health plans set up so the maximum out-of-pocket is nearly the same as their most expensive plans. A lot of times, health plans with lower deductibles and countless benefits will have a coinsurance rate after the deductible is met, where you pay that percentage of the health care cost until you reach the maximum out-of-pocket. Many high deductible health plans in Virginia are without coinsurance, which allows the out-of-pocket maximum be the same for the various health insurance plans. If you can live without some benefits of the cadillac plans, HDHPs can protect you from the catastrophies equally as well while keeping money in your wallet.
Another area to explore regarding HDHPs involves Health Savings Accounts (HSA). An HSA is a monetary account through an insurance company, bank, credit union, or investment company where you can place money into and watch it grow with interest. In order to set up an HSA, you must have an HDHP, as the two go hand in hand with each other. The account must be qualified as a health savings account, and any contribution made to the account can be written off as an expense for tax purposes. Therefore, if you need to withdraw money from your health savings account for a medical expense, you can pay that expense with pretax dollars and write the procedure off as an expense.
High deductible health insurance plans can be a valuable alternative to a standard health policy. When coupled with a health savings account, you can use pretax dollars to pay for medical expenses to relieve some of your tax burden. HDHPs generally always have lower premiums than health plans loaded with benefits you may not need. By using an HDHP, you can be protected from catastrophic events and lower the cost of your health insurance.
I drove a 1972 Ford Pinto to high school. I kept it clean and waxed but I thought I was too busy to check the oil. I let it run low, and caused some serious damage to the engine and found myself with a car that would not run at all. I bought a repair book, went to the junkyard and took the a head from a wrecked Pinto and then rebuilt the engine on my car.
During the three days and most of a night that it took for me to repair that engine, I could not drive it at all.
After I rebuilt that engine, and understood more about how it worked, then I used an old-fashioned timing light and other tools to keep it running at optimum speed. I set up a maintenance schedule and stuck with it most of the time. I checked the oil with almost every fill-up, checked the air in the tires weekly, washed it weekly, and waxed it once a month. The car gave me great service and looked sharp until I finally traded it for another car. Odd that with the body-temple (which people cannot trade for another on this planet) people will not usually set up a maintenance schedule that will keep the body well-and then stick with that schedule.
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