good cheap health insurance

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals ( self employed as well as employed ) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1, 100 for Self and $2, 200 for Self and Family coverage. The maximum amount out - of - pocket limits for HDHPs is $5, 600 for self and $11, 200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service ( IRS ). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i. e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a ) lower health care costs by causing patients to be more cost - conscious, and b ) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered ( i. e. have health plans with low deductibles ), they tend to be less health conscious and also less cost conscious when going for treatment.