United HealthOne individual and family health insurance plans in Wisconsin now offer a deductible credit on their plans. In January of every year eligibility for deductible credit is decided. The credit offered is based on how many consecutive years the plan’s network deductible has not been met. It is a percentage of the chosen network deductible.
|3 or more||50%|
In order to be eligible for a deductible credit in any calendar year you must comply with the following requirements:
- For at least 6 successive months in the prior year you must be a qualified covered person. You must be a qualified family for HSA family plans. In cases where you have the optional Continuity rider, you need to be in an active status with this rider for a successive 6 months as well.
- You cannot meet the per person deductible for the previous calendar year. This would also be the case for family deductibles if carrying an HSA family plan.
For Health Savings Account plans HSA 100® and HSA 70 SM, the deducible will never be reduced below the smallest amount required by law to keep the tax-qualified status of the insurance plan by the credit. For 2012, $1,200 is the minimum for singles and $2,400 is the minimum for families.