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Tool Talk Discussion Board

Re: Cost of catastrophic health insurance

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Posted by Mike (WA) on September 10, 2012 at 15:20:09 from (

In Reply to: Cost of catastrophic health insurance posted by Wile E on September 09, 2012 at 08:04:17:

I'm 64, good health, pay $408 per month for 2,750 deductible, it pays 80% of most everything, after satisfying the deductible. Its a Health Savings Account, me only, non-smoker. Just looked at my premium sheet, and it would be $219 for 45 year old male non-smoker.

Health Savings Accounts are the best thing since sliced bread, which is why, of course, they will not be allowed under Obamacare. The basic idea is that they are high deductible, low premium policies. What makes them so good is you can put up to $3,800 of your own money, pretax, into a Health Savings Account, and use that money to pay your deductible. In most cases, the combination of the premium ($220 in your case) plus the monthly cost of accumulating $2,750 deductible over a year ($230), adds up to less than a conventional health insurance policy. Anybody know of a zero deductible, 80/20 policy that a 45 year old guy can get for $550 a month? Or more to the point, anybody know of a zero deductible policy at ANY price?

But that's not the best of it. Lets say you get a low premium, high deductible "catastrophic" conventional policy. The deductible "resets" every year, and the unused portion is lost. But with an HSA, if you don't use the money you've saved up for the deductible, you get to keep it, and keep adding to it every year. And after you terminate the HSA (as I will next year, when I go on Medicare), you can use the money to fund the non-covered portions of Medicare.


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