Many families find that health savings accounts suit their lifestyle. Before choosing this type of plan, you should consider more than the monthly family health insurance rate. The deductible plays a significant role in the affordability of your health insurance.
In order to qualify for a family HSA health plan, a family must have an annual deductible no less than $2,300. However, the deductible cannot exceed $11,600 per year. Those figures are from 2009 U.S. Treasury guidelines, which are subject to change.
A higher deductible means that cheap family health insurance monthly premiums are widely available.