Health insurance is always a good thing to have. Some might say that it is mandatory to have one for you and your family. With the ever-rising medical costs, having an insurance (or load and loads of money!) seems to be the only way with which one can afford decent medical care.
But getting the right health insurance is not so easy.
There does not exist a perfect insurance plan provided by a perfect insurance company. There only exists a whole myriad of insurance plans covering some form or another of your medical needs.
It is important that you consider a high deductible health plan coupled with a health savings account. This vehicle is the least expensive way to insure yourself and your family.
HSA plans are:
- Lower monthly premium
Premiums are less volatile from year to year — read that steady premiums
You carry much less risk - the insurance company carries more risk
Preventive benefits - free annual physical
Tax savings
Ability to use pre-tax savings for dental, eye care, doctor visits, medications
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