We’ve seen this before: An uninsured California health insurance plan shopper is looking for low cost health insurance and when shown HSA-compatible high deductible health plan options, immediately rejects the plans because of the ‘high deductible’ feature and keeps shopping….all the while continuing to go uninsured (!).

The words ‘high deductible’ can and do have a negative connotation with some California health insurance plan shoppers but they shouldn’t as a HSA-compatible high deductible health plan offers affordability with typically lower monthly premium costs and certainly offers the safety-net of vitally needed health coverage for the uninsured.

High deductible health plan terminology can sometimes be synonymous with ‘catastrophic’ health plans. While that can be a somewhat appropriate term for these plans as they offer vitally important health coverage should a California health insurance consumer be struck with a catastrophic illness or injury, we also want to stress that these same plans come with preventive care and if they come within the context of a HSA-compatible plan offering, can provide important tax savings and other important advantages to the owner. In that sense, these plans are not just ‘emergency-only’ plans, but a viable California health insurance strategy combined with a great tax-advantaged savings vehicle.

But you know what? Let’s not leave that ‘catastrophic’ discussion just yet: While the reader might be a bit ‘turned-off’ to the high deductible element, let’s think about the consequences of going through life without health coverage: You’re 28, healthy, and while enjoying life, you know in your heart of hearts that you need a health coverage strategy but you keep putting it off…

At this point we could start listing the possible scenarios: A skiing accident and a broken leg that requires surgery; an appendectomy or tonsillectomy; or some other ailment that requires medical attention and even a brief hospital stay. Just this very short list can bring medical fees that run into the tens of thousands of dollars…or more. Much more. Where are we going with this? Well, with affordable California health plan options like Blue Shield of California’s Shield Savings Plans, that come with annual deductibles of $3,500, $4,000, or $5,200 you might swallow hard and think to yourself “Wow, with deductibles that high, why bother?” It’s very important that you do bother: A serious illness or injury carries along with it the very real possibility of financial devastation that can last for years to come for those without health coverage. The best thing about plans like Shield Savings is that year in and year out you know that your annual out-of-pocket maximum is limited to an amount of $5,200 or less even if you encounter serious illness or injury that otherwise would have been financially ruinous. You’ve introduced an element of certainty into a situation where there had been only uncertainty….and worry. That is peace of mind California health insurance coverage worth pursuing.

Reach out to us for more information and the careful, considerate consultation we’re dedicated to delivering to the California health insurance client. Our website always offers the ease and convenience of fast, free quotes and you can always depend on a Vitality one-on-one personal consultation to help ensure peace of mind plan selection!