Maybe that is something we could look into. The trouble is that we don’t have any money to put into a HSA, which is what the church had gone to right before my husband became disabled. The idea was that they would offset the high deductible by putting money into an HSA. But now we just have that same high deductible, that the disability insurance company pays for, but no way to afford to put money into the HSA to cover the deductible.
Our situation is different than most though since we’re pretty much stuck with the income we have. That plan could be a good option for a lot of other people though.