Will High Deductible Health Insurance Plans Become The Norm? 
With more than 34 years of experience in the HSA/Health insurance business , I 'm happy to offer my expert and unbiased answer . Although the average deductible has substantially increased over the last 30 years , the popularity of the HSA concept is here ... and here to stay . High Deductible Health Insurance plans -LRB- HSA -RRB- are very popular for individuals and families that want quality medical coverage from reputable companies , but at a rate they can afford . Even with the passage of the Affordable Care Act -LRB- aka Obamacare -RRB- , the popularity of HSA accounts has increased . But what about the future of these types of plans ? Their popularity is not likely to decrease , since health insurance costs keep increasing , and there is no other type of coverage that can offer a combination of network-negotiated discounts and paying for healthcare , dental , and vision expenses with tax-free dollars . However , as our political landscape changes , be prepared for unanticipated changes ! As we move closer to 2017 and 2018 , many legislative changes are planned . These changes could impact the cost of coverage and the amount of federal subsidy that is received . Both the group sector and individual sector could be adversely affected . So ... Expect HSAs to continue to be a popular and `` normal '' choice to consider for individuals , families , and small and large businesses . Answer provided by Edward Harris , one of the nation 's premier healthcare authorities . Edward is the owner of majormedicalhealth.com , where consumers can compare the best health insurance rates from top-rated companies . 