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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


High deductible health insurance

a smart strategy for individuals and businesses

revised 11/3/2015

High deductible insurance is used to separate ordinary medical expenses from catastrophic medical risks. It is economically more efficient for an individual to pay their own routine medical costs than to pay an insurance company to process the claim. This is why the savings for taking a higher deductible policy are sometimes even greater than the maximum possible additional risk. Then when we consider that 4 out of 5 healthy people do not meet their insurance deductible on any given year, it makes even more sense to consider this strategy.

Insurance policies are available with deductibles up to $12,000. In other words, for example, a policy with a $10,000 deductible may be priced only $3 higher than a policy with a $50,000 deductible. As a result, no reasonable person would choose the large extra risk for such a small savings in premium.

All of the deductible choices and related premium costs are available through a medical insurance screening that may be requested at no charge from your health insurance navigator.

Various laws and regulatory proposals threaten the use of high deductible insurance as a financial management strategy. Beginning January 2014 most individual insurance plans will be forced to lower their deductibles to the amounts prescribed by federal health reform law. Various states are considering adding legislation that would prevent most employers from using "stop-loss coverage" to bypass the federal health insurance mandates.

High deductible individual major medical insurance is available in all states and D.C. through the

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. Any tax advice in this communication including attachments and linked resources cannot be used by the taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.