Im trying to look for a good insurance quote. SInce at work the cost is almost $200 per month of insurance. I see many insurances that cost 90 a month with a high deductible like $2000 or $3000. What would happen if I dont meet that deductible at end of the year?
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The best way to evaluate your health plan needs is to first evaluate how often do you go the doctor. If you rarely go to the doctor and rarely get sick, then look into the higher deductible. If you go frequently, stay with the lower deductible. If you do not meet the deductible at the end of the year, then fine. Nothing happens. Your deductible does start over every year depending on your employers chosen calender year. Not all plans begin in January. With the higher deductible plans, some companies offer a fsa plan which is a visa/mastercard that is preloaded to the amount you choose to put on the card to help deter the out of pocket expenses of having a higher deductible plan. Take it from someone who has experience, $200 a month is not a bad deal at all. My company offers $200 every two weeks for a high deductible plan.
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