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Patient Money: Making Sense of High-Deductible Health Plans

Oct. 16, 2009
Employers are offering big incentives to steer workers into insurance plans that can save the company a lot of money, but what is the best fit for you?
Related Stories from UPI.com

Many buy high deductible health plans

ATLANTA, April 3 (UPI) -- In 2007, 17.3 percent of U.S. adults under age 65 with private health insurance were enrolled in a high deductible health plan, researchers said.

High deductible health plan costs families

BOSTON, March 31 (UPI) -- Among families with large employers, those living in high-poverty areas were more likely to be switched to a high-deductible plan, U.S. researchers found.

Insurance covers preventive care

WASHINGTON, Nov. 19 (UPI) -- Most high-deductible health plans linked to health savings accounts provide first-dollar coverage for vaccines, screenings and physicals, a U.S. survey finds.

Maternity care costly under new insurance

WASHINGTON, June 13 (UPI) -- A new study says U.S. families with high-deductible insurance plans pay much more out of pocket for maternity care.

Consumer-directed plans up from '06

WASHINGTON, March 15 (UPI) -- Forty percent of U.S. employers now offer or plan to offer a health savings account to workers, and 26 percent, a health reimbursement account.

High-deductible plans lower ER visits

BOSTON, March 13 (UPI) -- People on high-deductible health plans go to the emergency room 10 percent less than patients on traditional plans, says a U.S. study.

High-deductible health plans are lauded

BOSTON, March 13 (UPI) -- A Harvard University study suggests patients with high-deductible health plans go to emergency rooms 10 percent less than patients in traditional plans.

More opt out of company health insurance

ROCKVILLE, Md., Aug. 25 (UPI) -- Researchers in Maryland say more workers are finding they can't afford the generous health insurance benefits provided by the nation's largest employers.

Banks offering HSAs with checking accounts

DETOIT, Mich., Dec. 25 (UPI) -- U.S. banks are offering health savings accounts, which are paired with high-deductible health insurance plans, which can be linked to checking accounts.

Medicare could face higher deductible

WASHINGTON, Dec. 1 (UPI) -- The recent Medicare legislation passed by Congress could result in more employers requiring employees to pay more toward health care.
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Lori Anne Madison, 6, competes in Scripps National Spelling Bee
View Caption
Lori Anne Madison, 6, of Woodbridge, Virginia, spells out the letters in her word as she competes during the opening round of the Scripps National Spelling Bee, May 30, 2012, in National Harbor, Maryland. Madison, the youngest known qualifier in the history of the contest, correctly spelled the word "dirigible*", a lighter-than-air aircraft, to advance. UPI/Mike Theiler