Sign up for a higher deductible HSA account and fund the HSA to the max.
Some more insight into that comment:
What are High Deductible Health Plans?
A high deductible health plan (HDHP) is a health insurance plan that meets certain requirements in three key benefit areas - deductible, out-of-pocket maximum, and first-dollar coverage. These requirements are as follows:
Deductible: A minimum annual deductible of $1,200 for individual (self-only) coverage or $2,400 for family (more than one individual) coverage.
Out-of-Pocket Maximum: The annual out-of-pocket maximum for "In-Network" expenses cannot exceed $5,950 for individual
coverage or $11,900 for family coverage. This refers to the amount of money an insured would have to pay before the insurance
carrier would pay for 100% of any additional medical expenses incurred in that same year. It includes deductibles, co-payments
and co-insurance expenses. It does not include premium payments.
First dollar coverage can only be available for preventive care, such as an annual physical.
Other than preventive care, the insured must satisfy their deductible before any co-payment
or co-insurance benefits can go into effect.
Above quote from:
http://www.hsaconnect.com/q&a/hsa-q&a.phpIMHO... you could be paying monthly and then g-d forbid end up in need of hospital stay, they will hit you up for a bill of $5950 or $11900 (family) before they start paying $.01 toward your insurance claim.
