Are High Deductible Health Insurance Plans a Better Choice?

[@AislingBast]

What a brilliant video. Great advice, simple and practical. I like your video presentation. It is informative too, at the same time. Thanks a lot for your guidance!

[@healthcaremadesimple5367]

Glad it was helpful!

[@micaelasmith-s3m]

I really need your help!!!! I work for USPS there are so many options to chose from. I have a family. I have so many health issues as well and take multiple medications. I feel like I have been paying so much for nothing. UPMC Advantage.

[@emilycruz809]

Thank you so much for covering this.

[@healthcaremadesimple5367]

Happy to help!

[@jkbc]

are you licensed in CA?

[@edenpagani1243]

I'm on an individual Kaiser plan paying $738 a month. I have been to the doctor 2 times on telehealth. I don't want to pay this. I want a $10,000 max plan or a high deductible plan with Kaiser. They seemed confused by this.

[@floraandfaunab8855]

Still confuse, planning to retire this year and my concern is insurance. I will try to reach out your service.

[@healthcaremadesimple5367]

Reach out and I am happy to help

[@johnowens5207]

does the MAX OOP include the premium? it does say that it includes the deductible.I have bi-monthy HPHP for 42. that's 1750 deductible max oop is 3000.and I get a 600 has. my ppo option is 30 dollar copay with 600 deductible and almost 200 a month.

[@healthcaremadesimple5367]

No it does not include premium

[@MoveMountains101]

Can you get a HDHP (with HSA) in a Short Term Health Insurance PPO plan in Florida? What are the options? (Age 59, single snow-bird)

[@TerryTerry-iv7zc]

We live in Indiana as federal Empolyee, we had been with BSBC for more than 20 years. Only this year, heard about HSA.. I was thinking of switching to GEHA HDP just to benefit of the HSA. Their reviews are overwhelmingly terrible. I really feel it's good to benefit of HSA. The only plans with high deductible that has the HSA are Aetna , GEHA and MHBP. Any suggestions? Thank you so much

[@MrChorn09]

I like to choose the lowest cost hdhp which has the highest deductible option that my company offers. I then use the premium savings to max out my HSA which covers the max OOP amount if I do hit it that year. If not, then just rolls over to next year.

[@RICKDOEZ1]

I have this but it killed my first check starting it up as a new person 😡

[@wtcneverforget8163]

There should be a bridge to the next year if you become seriously ill in December and hit your max oop but still need to treated the next year for the same condition, e.g. January.

[@thenaturalgemini]

This is very common in health insurance and many people do not know it exist. It is called a 4th quarter carryover, meaning any money applied to the deductible in the 4th quarter will roll over into the new year. It is not in all medical plans; it just depends on the plan you have. My knowledge is based on working with employer group plans. If you have one would call the insurance company and ask this question. It is also located in the certificate of coverage.

[@MiteshSura]

any tips on HSA plans for self employed? I see very limited options on ACA

[@michaelsena5487]

Do you have to choose employer insurance if it is offered vs being able to choose an ACA plan?

[@healthcaremadesimple5367]

No. You can choose an ACA plan over the employer plan if its a better option for you

[@Jess_2025]

@@healthcaremadesimple5367Very helpful channel! Do you have videos on how to apply for ACA subsidies?

[@Backyard_Gardener365]

Would a high deductible health insurance plan cover preventative care?

[@brendamontesvillanueva1205]

The one that I know covers a Wellness Exam for Man (I don’t know what is included) and a Wellness Exam for Woman which includes Pap and Mammogram, colonoscopy if you are over 40

[@htown148]

Do more ACA loophole videos!

[@irisglezfletes]

This shit is hard to understand 😅

[@Gomjabbar28]

im on my 6th video

[@Youknowtherest]

@@Gomjabbar28my goodness I’m on my 4th as well I’m here thinking gosh my head is tough thank goodness I came to the comment and realized I’m not the only one struggling to understand

[@ramonpineda7514]

😂😂😂

[@billithekid104]

😂😂😂😂

[@LittleBlue42]

Shouldnt need heath insurance. Healthcare should be free. Imagine losing your job and then getting cancer and then not being able to pay to stay alive. Looking at stuff like that shows me that we have a while to go before we have a true civilization.

[@osaodi9944]

Thank you for this video Joe, truly appreciated. At @5:42 mark you mentioned "add supplements" by this, would you be referring to GAP health insurance? If so, can you factor that into your next videos. It will help a lot. Thank you again for these

[@healthcaremadesimple5367]

I will do a video on supplements soon

[@workstationmark4103]

My guess is they will develop a test to see if you eat a lot fast food and restaurant food

[@777SEER]

Let’s be honest, If your concentrating on just the out of pocket maximum for instance a family, Every individual person in the family needs to meet the deductible and out of pocket maximum?

[@joelthomas4294]

Exactly

[@tuffy3240]

Live in fl, going to need health insurance for 18 months till I can get Medicare, was on my spouse insurance but he turns 65 next month and will retire. So stressful knowing the right plan.

[@healthcaremadesimple5367]

Feel free to call me if you need some help. 708-566-6589

[@hudonedem8517]

What do you mean by add supplements

[@MotoVlog-lh9td]

These numbers from health insurance is outrageous yeah let me pay $500 a month when I barely even use it lol. I’d be better off with paying a medical savings account in a high yield savings and paying $500 a month into that and use it my medical needs.

[@Hondalife_8]

My deductible is 18300 in colorado wtf

[@healthcaremadesimple5367]

It cant be that high individually. Maybe for family

[@Hondalife_8]

@healthcaremadesimple5367 yes for my wife and 2 kids not including me

[@brittanyrenee8478]

oh no youre not licensed in Ca lol ..

[@Data-g8w]

People's health is not a business or Oil