Why buy catastrophic health insurance?
If you need an individual health insurance plan for yourself, your family, or your small business, then you
probably already know that many plans are very expensive and hard to qualify for. Maybe you need to consider
a high deductible health insurance plan.
If you apply for a high deductible health insurance plan, even $10,000 to $20,000, you will find that the rates
are very affordable, rates do not tend to increase much, and health insurance companies often make them easier to issue!
Some high deductible health insurance plans are HSA (Health Savings Account) qualified. That means you can set up an account,
which is tax deductible, to save money to cover your medical copayments. These accounts even earn interest, and you can
use them for medical costs that are not even usually covered under a health plan.
Lower Premiums and Easier Underwriting
You may think that a $10,000 deductible is too high, but think about it. If you can save $300 a month on your health insurance
premium, that is $3600 a year! Many families save $500 a month, or more! Plus you can take a deduction on your health savings account, and if you are self employed, you
may be able to deduct the premiums too!
If you are concerned about the deductible, consider a supplemental health and accident insurance policy. These are usually
very inexpensive and easy to qualify for, and they provide cash in case of accident or injury. That cash can be used to
pay the deductible or replace income if you cannot work.
Use Our Free Online Quote Forms to Compare Catastrophic Health Insurance Plans
and Supplemental Health Plans.
You can also Find A Local Health Insurance Agent who can help you understand
catostrophic health plans, supplemental health plans, and HSA plans.
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