Even if you think you can't afford health insurance, there are some options available to you. Health insurance companies have put together new plans to help fight the high cost of health care insurance in Michigan and the rest of the Country.
Michigan Health Insurance Plans
Many large health insurance companies such as United Health Care, Humana, Prudential, and Mega Life, just to name a few, have put together high deductible insurance plans combined with an (HSA) health savings account. These new plans feature higher deductibles in exchange for lower monthly premiums.
With HSA insurance coverage you must meet the annual deductible amount before the policy begins to pay. Policies typically pay 80% to 100% of medical care costs after the deductible has been met. Deductibles are from $1100 to $5000. Preventive care is usually included with these new health plans and most require you to use in-network providers.
The idea is that with a smaller monthly premium you can afford to put money into an HSA savings account each month for future medical expenses such as your deductible. HSA health insurance plans automatically credit a portion of your monthly payment into this savings account. And, the money you put into your HSA is tax free up to $5250 for self and $10,500 for self and family per year.
Health Insurance in Michigan Quotes
One of the best ways to find affordable Michigan health insurance is to go to an insurance quote website and request quotes. Immediately after you complete their short form, you'll get several low cost HSA, HMO, PPO, and POS quotes while still online. After you have your quotes, you can compare the different policies and see if one will work for you. It's that easy!
0 comments:
Post a Comment