High Deductible Family Health Plan

this is the same situation I am in- no more kids, own a business, insurance is insane. I'm definitely going to look for this kind of plan. Do they offer them in new york state? this could save me a pile of money.

Rebecca Clyde, a self-employed 31-year-old mother of two from Phoenix, shopped around and was put off by traditional health maintenance organizations' premiums, which were $1,100 to $1,400 a month for her family of four. "They were ridiculously expensive," Clyde said.

Because she isn't planning to get pregnant again, she said, she found a high-deductible family plan from Blue Cross Blue Shield of Arizona and Lumenos that charged a $540 monthly premium -- in exchange for accepting a $2,400 annual deductible and $4,200 out-of-pocket maximum.

"I would rather just pay for what I actually use and have more control over the cost than front-load all the expense myself," Clyde said.

* Video: Check fine print on insurance claim forms

Since the beginning of the year, when her family enrolled, there was only one expensive month, when her two young children ran a $300 tab for a few medical appointments and a pricey antibiotic. But she figures they'll come out ahead by several thousand dollars even if they have a bad year and have to spend up to their out-of-pocket maximum.

Clyde said she's become a better consumer by asking for prices and slowing the urge to seek care. "In the past I would see something, say a little rash, and immediately take my daughter to the doctor. Now, I'll hold off or call the nurse line and ask should I come in or just watch it for a few days. This puts a lot of responsibility back on us to live a healthy lifestyle because that way we'll go to the doctor less."

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Sat. Sep 22, 8:34pm

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