Reduce Your Health Insurance Deductible to $100 for Accidents

Almost everyone can see the logic of carrying a high-deductible health insurance plan to protect against the major unexpected expenses. Yet a high deductible can make some people a little nervous. Even a short trip to the emergency room to get stitches can cost several hundred dollars. If you break your leg skiing, the cost could quickly run into thousands of dollars.

Fortunately for people with these concerns, inexpensive supplemental accident plans are available which can reduce your deductible to just $100.

Though any type of medical expense can sneak up on you, most chronic illnesses provide clues long before they get serious. If you’re overweight, if you have digestive issues, or if you have a difficult time climbing a flight of stairs, you’re aware that you have health concerns long before your doctor or insurance company knows. But nothing sneaks up on you faster than an accident.

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QHDHP’s – Money-Saving Qualified High Deductible Health Plans

QHDHP’s, or qualified high deductible health plans, are a type of insurance plan that has a higher-than-average medical deductible and costs significantly less than a traditional health plan.

What does “qualified” mean?

Qualified means that the health plan can be used with a health savings account (HSA’s) to lower your tax liability each year.

There two main reasons why QHDHP’s cost so much less;

  • They come with higher-than-average medical deductibles. This means that you will have a deductible between $1,200 and $5,000 per year if your plan only covers you. If two or more people are covered on your plan, the deductible options range from $2,400 to $11,900 per year. The higher the deductible you choose, the more affordable the plan is.
  • They are “deductible-first” plans. This means that they cover your medical expenses after you’ve paid your deductible for the year. The exception to this rule is that
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