If you are concerned only about financial ruin from a catestrophic medical illness or injury then focus on the “stop loss” also known as “out-of-pocket maximum” or “co-pay limit.” Generally, this is the most you will have to pay in a calendar year if you have huge medical bills.

Some of the Health Savings Account (HSA) compatible insurance plans have relatively low copay limits. See specifically, the Blue Cross 3500 HSA, Blue Shield of California 2400 HSA plan and the Nationwide 2400 & 4800 HSA plans. Each of these have low copayments limits.

To learn more stategies for keeping your health insurance premium low, call BenefitsCafe.com at 800-746-0045 or click here for an instant medical plan quote.