The most affordable Kentucky health insurance is the low-cost, High-Deductible Health Plan (HDHP). HDHP is often paired with Health Savings Accounts (HSAs). HSAs are essentially ta-eempt accounts which allow you to save money which you can use to pay for your plan deductible whenever you need it. HDHPs usually have deductibles ranging from $1000 to $5000. The plan begins paying 80 to 100% of your medical costs after you have paid the deductible. If you have not used your Kentucky health insurance for a number of years, the money that was in the HSA could eceed the deductible amount of your insurance plan. If you do need medical attention, the maimum cost that you will be paying will be the amount of the deductible you have chosen. Since your monthly insurance premium is substantially lower than with other types of plans, part of your savings will be automatically deposited into your HSA which you can use later while the other part will be deposited as your savings. You can check out a range of Kentucky health insurance plans through insurance comparison websites. These websites usually provide you with information about various types of insurance plans, their terms of coverage and quotes. You will be given several low-cost quotes for such plans as HSA, PPO, HMO and POS. Be sure to compare various plans depending on your medical needs and budget. -- June 30, 2009 @ 12:14 pm