The OneDeductible plan has always been a smart choice, with its unique “single deductible” for the entire family. Now you can save even more with our new, exclusive feature — One DECREASING Deductible.

• After the plan has been in force for just two months, clients may receive a 10% credit, twice a year on January 1 and July 1, which reduces the amount they pay of their plan deductible.

• Each 10% credit is based on the amount of the plan deductible. For a family with a $10,000 deductible, that’s $1,000 in savings with each credit. And, the savings potential doubles to $2,000 because credits are available twice a year.

• Every year starts out with a 10% credit on January 1, even if the decreasing deductible was satisfied in the previous year. And, they’ll apply another credit on July 1 if the decreasing deductible is not yet satisfied.

The One Decreasing Deductible continues to go down until covered charges accumulate to satisfy it, or the amount reaches $1,500 individual/$3,000 family. The threshold assures that the plans remain compliant with Health Savings Account (HSA) regulations for those who choose to take advantage of the HSA.

With the One Decreasing Deductible, you get the premium savings of a higher deductible plan, and one deductible that decreases twice a year. Individuals and families with $5,000/$10,000 deductible plans will see as much as 70% in deductible savings when credits accumulate year after year.

One Decreasing Deductible is included with One Deductible 100% coinsurance plans with deductibles at or above $2,850 individual/ $5,700 family. To get free quotes on One Deductible plans, click on this link or for additional information, go to the Illinois Health Agents website.

One Decreasing Deductible is an incredible benefit, and it’s only available from Assurant Health. Because it is an enhancement, it will replaces the 10% deductible credit that is available for providing proof of prior coverage wherever both features are available.