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Keeping Your Health Insurance Premiums Low

Wiley P. Long III

Health Savings Accounts offer tax deductions for medical

expenses, and the opportunity to set up additional retirement

accounts. But regardless of any other positive benefit of HSAs,

lower premiums are the primary reason that thousands of

Americans have chosen Health Savings Accounts as the best way to

protect their family's health and assets. So I'd like to talk

about some key suggestions on how to keep your premiums low.

1. Choose an HSA-qualified plan for lower rate increases.

Average group health insurance premiums rose by 9.6% last year

and rose over 10% for each of the previous six years. Individual

plans went up even more. Yet I expect most HSA plans to

experience much lower rate increases. A very large study was

recently published showing that rate increases over the past

year for

href="http://www.health--savings--accounts.com">consumer driven

health plans such as HSA plans was only 3.4%. Blue Cross of

Minnesota has reported that its HSA customers spent 8% less than

their traditional insurance clients. Humana has reported claims'

costs of 4.9% for consumer-driven plans, versus a 19.2% increase

in claims for other plans. In fact, average HSA premiums for

individuals have actually dropped 19.5% during 2005.

The reason these plans will have lower rate increases is that

people who have HSA-qualifying

href="http://www.health--savings--accounts.com/hsa-plans.htm">hig

h deductible health insurance plans are likely to pay closer

attention to costs, and take better care of their health. For

instance, an HSA owner offered a statin drug to lower her

cholesterol may be more likely to request a generic version, or

ask her doctor if inexpensive nutritional supplements such as

niacin or fish oil may be a solution. These actions save the

insurance company money and should result in lower rate

increases.

2. Raise your deductible as your
href="http://www.health--savings--accounts.com">Health Savings

Account grows.

When you fund your account you build up a financial "cushion"

which allows you to raise your deductible as your account grows.

Every time you raise your deductible, your premium should go

down.

By the way, don't forget that every time you fund your account

you get an instant tax-deduction. When you offset the tax

savings against your premiums, you'll find your net cost for an

HSA plan can be very low.

The maximum allowable contribution goes up every year with the

rise of the Consumer Price Index. Final numbers are not out yet,

but in 2006 we expect the individual contribution limit to go up

to $2,700, and the family limit to be $5,450. So each year you

can deposit greater amounts into your HSA and continue to raise

your deductible, if you choose.

3. Stay healthy, so you can switch plans.

All health insurance plans have rate increases, and we've even

seen premiums jump on some HSA plans. If a rate increase happens

to you, you can switch to a different insurance company - but

only if you pass their underwriting requirements. If chronic

disease develops, you may be stuck with your current plan, and

its accompanying rate increases, for eternity. Or at least it

may seem that long...

If you pay attention to the pharmaceutical commercials, you

learn lifestyle really has nothing to do with disease, and it is

natural and healthy to be on many medications for the rest of

your life, which will then solve your health problems.

If you pay attention to the science, you know the truth is quite

different. It appears lifestyle is probably 95% of the picture,

and we know the occurrence of degenerative disease can be

dramatically reduced and even prevented.

Fortunately, I've found many of our customers are interested in

wellness, and disease prevention. After all, they're paying for

their own doctor visits if they do get sick. I also believe it

is because HSA owners are "forward thinking" people, and like to

plan for their future - both financial and physical. You can

improve your odds of excellent health with just a few key habits:

Eat very high quantities of fresh vegetables and fruits. Shoot

for 35% of your calories. This will lower your risk for

diabetes, high blood pressure, heart disease, cancer, and more.

Limit your intake of sugar and starchy carbohydrates like bread

and pasta. The majority of health problems in the U.S. are

related to metabolic diseases that involve insulin resistance.

Exercise and lift weights. Exercise guru Jack La Lanne just

turned 92 on September 26, and he says if you have muscles you

never feel old.

4. Compare your plan to other available plans at least once a

year, or whenever you get a rate increase.

Often-times people keep their plan much longer than they should,

and end up paying much more than they should. If your rates go

up, you can compare a wide variety of plans at

http://www.HSAforAmerica.com/instant-quote.htm. If you have your

coverage through HSA for America, we automatically do this

analysis of available plans for you any time we are notified of

rate increases.

To your health and wealth,

Wiley Long President - HSA for America

About the author:

href="http://www.health--savings--accounts.com/wiley-long.htm">Wi

ley P. Long III Bio

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Welcome to Health Insurance Information

Health Insurance Plans For Individuals Article

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Max India Signs Pact With UK's BUPA For Health Insurance Biz (Nasdaq)

State to conduct health insurance survey (The Burlington Free Press)

Humana Completes Acquisition of Metcare Health Plans, Inc. (Centre Daily Times)

Correction: Max India Signs Pact With UK's BUPA For Health Insurance Biz (Nasdaq)

The Amacore Group, Inc. Reports Second Quarter Earnings (Centre Daily Times)

The Amacore Group, Inc. Reports Second Quarter Earnings (Business Wire via Yahoo! Finance)

Questionnaire Distills Candidates' Health Policies (NPR)