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Is a Higher Deductible Better?

On one hand, some health care industry analysts say that a higher deductible is a good idea because it keeps your premium costs lower. That’s true, higher deductibles do keep your premiums lower. But, what if you happen to always be sick because you have a chronic condition that needs medical care frequently? Well, if you happen to always need medical care for your condition, you might just prefer to pay a higher monthly premium and know you are covered for all contingencies.

It’s a great debate and there are good points to be made on each side. The thing most of the industry analysts seem to be forgetting is that what you choose is a personal choice and that choice will reflect what works for “you.” So, while it’s nice to have other opinions, the bottom line is you will choose what you need to choose to have it work for you.

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