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Rising deductibles and what to do with them

Rising deductibles and what to do with them

Since 2009, average healthcare deductibles have risen 47 percent, from $826 to $1,217.  

Only 63 percent of non-elderly households with incomes above the federal poverty level have enough liquidity to pay for a mid-range annual individual deductible of $1,200 or family deductible of $2,400.

For these same deductible amounts, just one-third of lower-income families have sufficient liquidity to cover them. 

A recent BenefitsPro.com article reported these sobering findings from “Consumer Assets and Patient Cost Sharing,” a Kaiser Family Foundation analysis published on March 11. The reports suggest skyrocketing healthcare costs are hitting budgets hard. 

Are you concerned that you can’t pay out of pocket costs for your high deductible health plan? Consider Metal Gap, a supplemental health insurance product from The IHC Group. Designed to offset costs associated with accidents and critical illnesses, Metal Gap helps you pay your deductible, coinsurance, copay and any household expenses. 

Keep in mind that: 

  • You can’t be denied, regardless of your health history
  • Most plans cost under $1/day
  • When a covered accident or critical illness occurs, a check is sent right to you
  • You can use the proceeds of that check to pay any expenses, from deductibles to daycare

Our Metal Gap Plan Finder, comprised of six easy questions, may help you determine which of the three Metal Gap plans best fits your lifestyle and budget.

Find your Plan


THIS PLAN IS NOT CONSIDERED TO BE MINIMAL ESSENTIAL COVERAGE AS DEFINED BY THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (ACA). ENROLLING IN AND MAINTAINING THIS PLAN WILL NOT EXEMPT YOU FROM THE SHARED RESPONSIBILITY PAYMENT (TAX) THAT MAY APPLY IF YOU DO NOT HAVE PLAN WITH ACA-COMPLIANT COVERAGE.

Rates are for illustration purposes only and based on an individual selecting coverage under Plan A or Plan B. Rates may vary by state and by plan selected.

About The IHC Group 
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.

About IHC Specialty Benefits, Inc. 
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com