There are two ways to get high deductible health insurance:

• Speak to your HR Department or Benefits Administrator and ask them how much your take-home pay will increase if you raise the annual deductible on your health insurance. Then choose the highest annual deductible that you could afford to pay if you had a major illness.
  
  Most employers request that you select your annual deductible at the beginning of each Plan Year, but many employers will allow you to change midyear, and all employers must allow you to change when you experience a major life event (e.g., birth, divorce, job change).
• Call your health insurance carrier and ask how much you will save by increasing your annual deductible, or compare free quotes from virtually every major U.S. health insurance carrier online now.