ON-SCREEN TEXT: [Need regular health care Keep in mind that HSAs are only for people who have high deductible plans. With a HSA, you can set aside pre-tax dollars to help you pay for your deductible for qualified medical expenses. To help you save up so you're prepared to pay your deductible, some high deductible plans can be paired with a health savings account, or HSA. That means you would pay a lower premium each month and pay for the care you need through your deductible. If you're generally healthy and don't think you'll have many health care costs in the next year, then a high deductible plan may be right for you. You could pay 100% of your deductible in several smaller visits or one big visit. Whether you have a high or low deductible, you will start each plan year by paying 100% of your covered health care services until you meet your deductible. ON-SCREEN TEXT: [High deductible You pay 100% With the low deductible plan, you may pay more each month for your premium and less of your out-of-pocket costs until you pay 100% of your lower deductible. With a high-deductible plan, you may pay less each month for your premium and more for your out-of-pocket costs until you pay 100% of your deductible. Now, deductibles may be low or high, depending on the plan you choose.
The amount you pay to have health insurance]Ī premium is the amount you pay, usually every month, to have health insurance. A deductible is different than a premium. A deductible is the amount you pay for out-of-pocket costs for your covered health care before your plan begins to pay.
The amount you pay before your plan begins to pay] Knowing how deductibles work can help you choose a health plan that's right for you.
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