Quote:
Originally Posted by will76
If you don't go to the doctor often a high deductible, lower prem may be the way for you go go.
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If you have major health problems and costs in your family (as I do), it may also be the way for you to go.
Three years ago, we switched from conventional to high-deductible. We saved almost $1000 a month in premiums and after paying all of our medical bills out of pocket for about 45 days, we had almost *no* out of pocket costs for the rest of the year. I estimated it saved us about $15-$20K that year.
Three years later, they've boosted the premiums, cut the benefits and increased the deductible to the point where our savings will probably only be around $5K this year. Still worth it, though.