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Im getting ready to sign my family up for a health insurance plan for 2022 and itll be the ninth time weve gone through this process in only four years and in that time weve been on pretty much every type of plan imaginable: a PPO, an HMO, a high-deductible plan, a low-deductible plan. Weve been on employer plans, marketplace plans, and even a Medicaid plan. Ive learned a lot about analyzing health plans strategically and Im going to share with you the mistakes that people make too often with choosing a health insurance plan. The first up is ignoring those high deductible plans with HSAs. A lot of people just pass right by those plans because theyre afraid of what might happen if they have a big medical expense. They see that the deductibles over ten thousand dollars and theyre thinking: I cannot possibly afford that. But if youre a family that has low medical expenses, choosing that high deductible plan could save you thousands of dollars on mon
