3 ms·

you have a HDHP?

• Clubber 8y ago
  I keep it around $2000 to $3000, so it's not high for me. We go to the doctor about once or twice a year for random stuff, so it doesn't make financial sense to have a zero to low deductible. I want to protect from the hospital bills from something major though, like a car wreck. I'm not sure that those $50 copay per doctor visit right from the start are even available anymore. That's the insurance I had when I was a youngster.
  • liveoneggs 8y ago
    if you have the legally-defined type of HDHP that could explain your bills because in HDHP-world you pay everything up-front until you reach your out-of-pocket yearly deductible (hopefully offset by using the HSA's tax savings; my job offers matching on HSA contributions that offset the premium cost entirely) I pay (a lot) extra for a traditional PPO and get the old-fashioned $20/$50/$75 deductible.
    • fencepost 8y ago
      If purchasing insurance through the Exchanges my experience was that this is not really clear unless you're paying attention to the exact phrasing in 1-2 places.