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Q: Is it better to have a higher deductible and lower payments or higher payments and lower deductible when choosing family health coverage?
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Health Insurance Payments
If your family is in fairly good health, you may save money by paying lower monthly health insurance payments and a larger deductible.
If someone in your family is ill, or has monthly prescriptions, you may want to consider having higher monthly payments and a lower deductible.
However, you should do a side-by-side comparison of all your health insurance quotes to see which works best for your family and budget. Seek help from a financial counselor or talk to your company's Human Resource department if you need help or more analysis.
