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HDHCP Minimum Deductibles
[By Staff Writers]
For 2008, the minimum annual deductible amounts are unchanged from 2007:
- Single Minimum Deductible: $1,100
- Family Minimum Deductible: $2,200
HDHP Maximum Out of Pocket Expense:
The 2008 maximum out of pocket amounts are:
- Single Annual Maximum: $5,600
- Family Annual Maximum: $11,200
Maximum Annual HSA Contributions:
The 2008 maximum for HSA contributions are:
- Single Annual Contribution: $2,900
- Family Annual Contributions: $5,800
Conclusion
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Filed under: Health Insurance | Tagged: High Deductible-HCPs |
The Leading Business Education Network for Doctors, Financial Advisors and Health Industry Consultants 
New Study Shows Lower Costs in Consumer-Driven Plans–But the Findings Won’t Settle the Debate Over Just How Effective C-D Plans Are
Check out this link with multiple informed opinions, studies and cogent thoughts on HSAs and MSAs.
http://healthpolicyandmarket.blogspot.com/search/label/Health%20Savings%20Accounts
Best.
-Ann
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Confusion Reigns for Some Regional HD-HCPs
Did you know that according to Cowden Associates annual employee benefits survey, HD-HCP favorability increased to 8.8 percent, up from 2.5 percent in last year’s survey?
Yet, regional consumers and businesses remain wary of high-deductible and “consumer-driven” health care plans, according to the Pittsburgh Post-Gazette.
The market for such plans appears to be peaking: of employers who don’t offer such plans, 84 percent said they “are not likely” to – or – “have no interest” in offering them in the future.
The findings dovetailed with results from a March report from the Employee Benefit Research Institute [EBRI} and the Commonwealth Fund, which said more than half of enrollees in a high-deductible plan were unhappy with the out-of-pocket costs.
-Ann
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High Health Insurance Deductibles – But Not a HD-HCP
Almost half of health plans in the US have deductibles of at least $1,000 according to a new study. It’s called “cost shifting” and it’s a big part of the future of American health care.
There are two major reasons why employers are doing this.
http://thehealthcareblog.com/
Clare
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2011 and 2012 HSA Contribution Limits
The IRS recently announced contribution limits for Health Savings Account (HSA) for 2012.
HSA Contribution Limits [2011 and 2012 Change]
* Individual Coverage: $3,050 $3,100 + $50
* Family Coverage: $6,150 $6,250 + $100
You can only contribute to an HSA if you have a High Deductible Health Care Plan [HD-HCP]
Edward
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Why High Deductibles Still Matter in 2012
An essay by Paul Levy
http://thehealthcareblog.com/blog/2012/06/19/why-high-deductible-plans-matter/
Leonard
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Update,
Since this ME-P of almost five years ago, high deductible plans are likely to have further near and long-term impacts on delivery system participants.
Among the near term challenges are the additional resources spent on collection efforts and lower overall revenue when those collection efforts fail.
One mid-term impact is likely to be additional price competition among providers–web facilitated competition on the basis of lower costs to the price sensitive high deductible customer. Another mid-term impact can also be lower volumes–wherein the sticker shock of the cost of obtaining “elective” care–discourages workers from obtaining it.
The consequential long term impact may be a gradual increase in the complexity of cases seen in the commercial population derived from the waiver of “elective care.”
Mark
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