Types of Individual Health Insurance

Major Medical
Provides comprehensive coverage for Hospitals, Doctors & Prescriptions. Plans include a wide range of deductibles. The higher the deductible, the lower the premium. Plans include co-payments for doctor visits and precriptions. Plans can be purchased without Physician or Prescription coverage to reduce premium. Prescription coverage can be "day one" or "immediate" coverage or have the option of a small Rx deductible to reduce the premium. include a wide range of deductibles.

Health Savings Accounts (H.S.A.'s)
Health Savings Accounts or H.S.A.'s (formally know as Medical Savings Accounts or M.S.A.'s) are basically higher deductible health plans with lower premiums. The logic is to place the money saved by having a lower premium into a tax deductible account which can be accessed, penalty free, for medical expenses such as deductibles, doctor visits, precriptions, glasses, dental, etc. Additionally, the money invested will grow tax deferred until age 65. (Please review literature for exact details.)

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