Have you ever wondered why you are not rewarded if you don't use your health insurance?

You may go years and never reach your deductible and the insurance company never has to pay a claim but your rates still go up.

Part of the reason the premium still goes up is because health insurance has a pooling effect, which means yours rates go up to help pay for those people who had claims.

But hope may not be lost..........

You can now buy a health insurance policy that contains a "shrinking" deductible.

Here's how it works:

Let's say you buy a policy with a $2,000 deductible to save money. Every 6 months you do not reach the deductible the insurance company gives you a 10% credit off your deductible or 20% per year.
So if you manage to go a year without reaching $2,000 in medical expenses the insurance company will credit your deductible 20% or take $400.00 off of your deductible going into your 2nd year. You would now have only a $1,600 deductible while still locking your rate in for up to three years.

If you would like to be rewarded for not using your health insurance click here for a free instant health insurance quote with a shrinking deductible:Get quote now for shrinking deductible health plan