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I have more information on the prospect I mentioned in my first post. As I previously stated, he is 42 years old and single. He chews tobacco so that puts him in the smoker category. He is a self-employed carpenter and currently has Aetna Open Panel HMO 10 for which he pays a premium of $339 a month. I understand that Aetna will be raising their HMO rates in SE PA on 10/01/2007.
Healthwise he is in good condition. His father died from colon cancer five years ago. At that time the family doctor insisted that he have a colonoscopy. Apparently they found a couple of polyps that were removed. They turned out to be noncancerous. It is time for him to have another colonoscopy inasmuch as 5 years have passed since his last exam. In the interim, his doctor visits have consisted of routine annual physicals.
I ran some rates on GR using Preferred Smoker. For the $1,100 deductible on the HSA 100 the premium is $253.84. Standard I Smoker is $302.66 for the HSA 100. The Copay Select Standard I Tobacco is $357.47 for $500 deductible and $268.10 for $1,000 deductible----copay is 80/20 to $10,000. Plan 100 with $1,500 deductible and Rx upgrade (eliminate cap) is $261.47. I ran some figures for Assurant and their premiums appear to be much higher,e.g., One Deductible at $1,100, 80/20 of 10K is $477.85 The Save Right PPO with $2,200 deductible and $3,00 OOP max w/ Rx is $185.50. I don't believe this prospect is sophisticated enough to buy into the HSA as far as funding it goes.
I feel like a neophyte because I haven't been in the individual health market for a number of years. My last experience was with NASE and I swore off individual health after that experience. So any suugestions will be sincerely appreciated.
BTW, the zip code is 19095 and he is spending $4,068 in premium annually with Aetna. The copays are low---$10 Dr. office visit.
Healthwise he is in good condition. His father died from colon cancer five years ago. At that time the family doctor insisted that he have a colonoscopy. Apparently they found a couple of polyps that were removed. They turned out to be noncancerous. It is time for him to have another colonoscopy inasmuch as 5 years have passed since his last exam. In the interim, his doctor visits have consisted of routine annual physicals.
I ran some rates on GR using Preferred Smoker. For the $1,100 deductible on the HSA 100 the premium is $253.84. Standard I Smoker is $302.66 for the HSA 100. The Copay Select Standard I Tobacco is $357.47 for $500 deductible and $268.10 for $1,000 deductible----copay is 80/20 to $10,000. Plan 100 with $1,500 deductible and Rx upgrade (eliminate cap) is $261.47. I ran some figures for Assurant and their premiums appear to be much higher,e.g., One Deductible at $1,100, 80/20 of 10K is $477.85 The Save Right PPO with $2,200 deductible and $3,00 OOP max w/ Rx is $185.50. I don't believe this prospect is sophisticated enough to buy into the HSA as far as funding it goes.
I feel like a neophyte because I haven't been in the individual health market for a number of years. My last experience was with NASE and I swore off individual health after that experience. So any suugestions will be sincerely appreciated.
BTW, the zip code is 19095 and he is spending $4,068 in premium annually with Aetna. The copays are low---$10 Dr. office visit.
