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How can I tell whether a high deductible health plan is right for me and my family?

I got a new job and I am now deciding on our health insurance. Who are the HDHP designed for? I am married with one child. I plan to have another child in the next year or two. I will carry only the children and not my husband since is it cheaper for me to carry them than it is for him. We have no chronic illness in our family.

Asked By: Elle W - 3/16/2012
Best Answer - Chosen by Asker
An HDHP is designed mainly for those who want the tax benefits of contributing to an HSA. You do not need an HSA to have an HDHP, but qualifying for an HSA is the usual reason for selecting an HDHP... More
Answered By: StephenWeinstein - 3/16/2012
Additional Answers (4)
Only get a high deductible plan if you have the deductible amount in savings... More
Answered By: Go with the flow - 3/16/2012
 
Run the numbers... More
Answered By: mbrcatz - 3/16/2012
 
I know that HDHP plans are all the rage now but I honestly think that for you and your family that a copay plan would be best. With a HDHP Hsa plan, you put money in a savings account and sometimes your employer contributes as well. You use that money to pay health expenses. As an example, if your calendar year... More
Answered By: Shaun M - 3/16/2012
 
a) Best option....ask our financial advisor and/or insurance broker... More
Answered By: Insurance Pickle.com - 3/17/2012
 
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