These plans are terribly outdated and considerably overpriced. In addition, the plan design causes you to pay more for health care than is needed.
Fortunately, CDHP (Consumer Driven Health Plans) are becoming more prominent.
I teach consumers how to make wise choices in their coverage and health care. By making good use of your total health dollars families often save $500 per month or more vs. plans they would pick on their own.
Most people don't realize they are paying too much until we show them their plan side by side against a true, consumer driven plan.
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It's amazing how intrenched people's perceptions are. If a plan doesn't have first dollar coverage or low co-pays it is a bad plan. If someone sees an HSA with the high deductible the first thing they always say is what if I get really sick...under an HSA the OOP is almost always much lower then a regualar plan, they would actually be better off.
This is one of the biggest battles, getting consumers to realize a low co-pay and minimal deductible is not in their best interest nor is it insurance.
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