Kathy –you’re absolutely right. Health care is too expensive, and as a result, so is health insurance. Annually, uncompensated care costs approximately $164 billion. The Affordable Care Act, through the individual mandate, addresses this very concern by improving access to care for the uninsured starting in 2014.

Presently, the health insurance market has started offering health plans that put consumers in more control over the way they spend their health care dollars. For example, Health Savings Accounts, or HSAs, give customer more control over their costs, and they typically offer lower premiums. With an HSA plan, the money you put into the savings account is yours to keep and use on medical expenses, tax free. An HSA is paired with a high deductible health plan that offers lower premiums while still offering protection against catastrophic illness and accidents. I encourage you to visit www.experiencehsa.com. What are your thoughts on these types of plans?

i have the plan you are talking about, overall it works! but BCBS does a good job of pushing up the premium every year (that is sarcasm) which seems counter to the overall concept of the policy. perhaps more people would move to these plans if they remained more cost effective further,i also wonder how it works for BCBS, im certain they make less money selling a high deductible as do agents. as a foot note to co-pays on prescriptions: i know save $3.25 on a drug i use that had a $10 co pay! the drugs total cost is $6.75 if you did deep enough you will find many prescription drugs are less in cost than your co-pay...