Once you have an HSA-compatible high deductible health plan (HDHP), you can control premiums in the future simply by changing the deductible. If you raise the deductible, your premium will decrease.
Key concept: as money builds up in your health savings account ( HSA), you will begin to feel more comfortable with a higher deductible.
To increase the deductible normally does not require underwriting; you simply notify the insurance company you want to raise the deductible, and your premiums will be lowered. Give us a call, and we can handle that change for you.