General Discussion
In reply to the discussion: High deductible heath plans maim and kill people [View all]Ms. Toad
(34,055 posts)$750 a month, every single month for a plan with a $250 deductible and a $1000 out of pocket max, rather than $200 a month, with a $3000 deductible and a $6000 out of pocket max.
Low deductible plan - Guaranteed costs per year: $9,000 - Max per year: $10,000 per year
High deductible plan - Guaranteed costs per year: $2,400 - Max per year: $8400 per year
(Those aren't numbers from any specific plan because I don't have access to premium costs at the moment - but they are approximately the difference based on the last time I did price check the two kinds of plans, where even the maximum you could ever pay on a high deductible plan is below what you would have to pay every single year in premiums alone on a low deductible plan.)
In other words, in most instances, you have a bigger drain on your income by choosing the low deductible plan than you could ever have by choosing a high deductible.