First of all, it is important that you are comfortable with the deductible amount that you pay for in your health insurance plan. Deductibles are usually paid using the money that you saved for your medical epenses. In general, health insurance plans that have high deductibles have low monthly premiums. The real key is how much of the services will you epect to need during the year. If you can estimate this then you can compare your health insurance premiums to the amount of services that you will have to pay for. Then you can check the premiums for the same coverage with both higher and lower deductible amounts. If you want to save additional cost, your health insurance plan might be eligible for a Health Savings Account or HSA. The HSA is where you save your pre-taed money specifically for your healthcare needs. The HSA will work well for you if you are a generally healthy person. It might also be good if you compare your current health insurance plan with the same coverage and deductible amounts with plans from other providers. Get as many quotes as possible. When you decide which health insurance plan to take, make sure that the health insurance company itself is among those ranked as one of the best. - June 19, 2009 @ 4:59 pm