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New Year's Revolution

   As of Jan. 1, Congress authorized a new class of high-deductible health 
insurance specifically for the self-employed and workers at small companies. 
Already, dozens of insurers have begun offering such policies. These products, 
linked to medical savings accounts administered by the insurer or an associated 
bank, all have a $1,500 individual and $3,000 family annual deductible.

INDEMNITY PRODUCTS

             COVERAGE*  OUT-OF-POCKET   LIFETIME    MONTHLY
                          MAXIMUM       MAXIMUM     PREMIUM**
                        SINGLE/FAMILY   BENEFIT   SINGLE/FAMILY
BLUE CROSS &    80%        $3,000/     Unlimited      $214/
BLUE SHIELD OF             $5,500                     $537
NEW JERSEY

GOLDEN RULE     100%       $1,500/     $2 million     $87/
INSURANCE                  $3,000                     $203
Dallas

HUMANA          100%       $1,500/     $5 million     $100/
Texas                      $3,000                     $286


PREFERRED PROVIDER ORGANIZATIONS

             COVERAGE*  OUT-OF-POCKET   LIFETIME     MONTHLY
             IN/OUT OF    MAXIMUM       MAXIMUM      PREMIUM**
              NETWORK   SINGLE/FAMILY   BENEFIT   SINGLE/FAMILY
BLUE CROSS &  100%/80%     $2,750/     Unlimited      $154/
BLUE SHIELD OF             $5,500                     $421
NEW JERSEY

GOLDEN RULE   100%/75%     $5,000/     $2 million     $72/
INSURANCE                  $5,000 per                 $167
Dallas                     person

WELLPOINT     80%/0%       $3,000/     $5 million     $67/
HEALTH NETWORKS            $5,500                     $161
San Francisco

HUMANA        90%/     $2,000/$4,000   $5 million     $84/
Texas         70%      $3,000/$5,500                  $232

*Percentage of claims paid, after deductible.
**Monthly premium for 35-year-old nonsmoking male inspecified state or city.

DATA: BUSINESS WEEK


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Updated June 15, 1997 by bwwebmaster
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