Respuesta :
Answer:
High deductibles can cut premiums but increase out-of-pocket expenses. The most significant advantage of having high deductibles is that you will pay lesser premiums than you would with a lower-deductible plan. Because the benefit payout on a claim is lowered, the insurer takes on less risk with a high-deductible insurance.
Explanation:
We may receive affiliate commissions if you shop through vendor links on our site. The payments we collect are used only to fund our nonprofit purpose. Find out more. High-deductible health insurance plans were designed to help people save money on their medical bills. According to an article published last year in the Insurance Journal, some prominent firms have begun to backtrack, including JPMorgan Chase and CVS. JPMorgan Chase declared that deductibles for employees earning less than $60,000 per year would be effectively eliminated. When a high-deductible health plan is combined with a good employer-sponsored HSA, it indicates that the business is considering giving employees a stake in the game and "right-sizing or optimizing their treatment." However, if it isn't accompanied with such an arrangement, it shows pure cost-shifting, he said.
