Pairing accident insurance with a high-deductible health plan
How accident insurance helps cover out-of-pocket costs on high-deductible and bronze plans.
The deductible gap
High-deductible and bronze plans keep premiums lower but leave you paying more before coverage kicks in. An injury can mean a large bill early in the year.
How accident insurance helps
Covered injuries trigger cash benefits paid to you. You can use the money for your deductible, copays, or lost income.
What to compare
Look at the benefit schedule, whether off-the-job and on-the-job accidents are covered, and how claims are filed.
Questions about accident insurance?
Book a free call with a licensed Texas agent.
More accident insurance guides
Supplemental and limited-benefit plans are not a substitute for comprehensive major-medical health insurance and do not meet ACA minimum essential coverage requirements. Benefits, waiting periods, exclusions and availability vary by carrier and plan. This page is general information, not a contract — review the plan's official documents before you enroll. Licensed Texas agent: Corby Callaway, TDI #603392.