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Back to the future!

High-deductible medical plans bring back to healthcare the primary objectives of insurance - "Insure oneself for the unknown incident that has the potential of significant financial disruption".

Much like we pay out-of-pocket for the routine maintenance of our homes and cars, to minimize long-term costs and maximize quality of service, it makes good sense to do the same with our health insurance.

Facts show that most Americans would be better served with a high-deductible plan. Managed-Care surveys have shown that most Americans (82%) require less than $1,001 in medical care per year.

Given these statistics, today's HMO/PPO plan annual premiums are much more than the actual usage of medical care. The question at this time is "where is all of the surplus money going?". It is well understood that currently there is tremendous waste occurring in the healthcare industry due to bureaucratic administrative systems and high salaries.

Congress understands that there are many healthcare issues facing all of us. The introduction of the Medical Savings Account on August 21, 1996 has proved to be a highly valuable program for those that have subscribed. On December 8, 2003 President Bush signed into law a permanent program that is now available to all. Health Savings Accounts are even better than the pilot version known as the MSA.

Recommendation

Become a subscriber of a HSA compliant high-deductible plan. Begin saving pre-tax dollars in 2007 - stop paying too much to your insurance company! Click below to learn how.

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