Before you Sign Up

For a health plan, do read the material your employer sends. Glossing over the details could cost you a lot. MAny companies are now encouraging employees to sign up for consumer-driven health-care plans. These vary in coverage, deductible 9usually high), and the way they work, but many allow you to bank pretax money in a health savings account and draw it out as you need to for medicalcare. (companies may contribute too) What you dont use in a year is yours to save for future health expenses. Sounds good, and it can be especially for your employer, it may also be a money saver for you if you rarely need a doctor. But if you become ill or pregnant a CDHP could prove costly. CDHPs could have more tahn four times the out of pocket costs of women in traditional plans for the same care.