8/21/2025
Why This Happens
Insurance companies price plans so that the lower the deductible, the higher the premium. While it feels safer to reduce your potential out-of-pocket costs, you could be:
- Overpaying every month for benefits you might not use
- Losing thousands in extra premiums year after year
- Choosing based on fear rather than actual numbers
How to Avoid This Trap
- Compare Total Annual Costs – Add premiums + your potential out-of-pocket costs.
- Look at Your Actual Usage – Review past medical bills to see how often you meet your deductible.
- Run the Scenarios – Even if you hit your deductible, does the higher premium plan still make sense?
The Bottom Line
Sometimes paying more “just in case” ends up costing far more than it’s worth. Making an informed decision means balancing potential risk with actual financial reality.
Final Thought: Don’t let fear drive your health insurance choices. Let’s run the math together and find a plan that truly makes financial sense for you.
Call or text me at (716) 503-1113 to schedule your free coverage review.