High Deductible Health Plans and Risk

CRAIN'S COMMENTS

Those with national health insurance can read this and chuckle. For the rest of us . . . .

An article appeared today in Employee Business News regarding consumer bias against high deductible health plans (HDHPs), and that these plans represent a better value than traditional plans for many people.(1)

That may be true if

  1. You have a choice about the type of plan.
  2. You have access to a Health Savings Account or other tool to pay the expenses the HDHP doesn’t.
  3. You have the money to put into a Health Savings or Health Reimbursement Account without impacting what you need for rent or food.
  4. And/or you have a pile of cash and can self-insure against what HDHPs don’t pay.

In other words, if you healthy and rich, an HDHP may make sense. Or concierge care. Or self-insurance.

When people talk about how good a health insurance plan is, they…

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Value

normabobb

Photo credited to Norma Bobb-Semple

We can learn from the seasons how to be in reciprocal relationships. Disharmony abounds when we refrain from being reciprocal. A farmer can’t reap if he doesn’t sow. If you want to harvest you have to plant the seeds, tend to the plants, water them and in due time you will reap your reward. Ill gotten gains will rend a hole in your pocket

© Norma Bobb-Semple 2021

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