New agent with question about high deductible, HSA insurance.

**Admin** Sat Dec 06, 2008 9:25 pm

I have several prospects that need low cost medical insurance which of course means a high deductible policy. Is it ethical to sell this type of policy knowing they can't afford a $5,000 deductible even with an HSA? The last thing I want to do is mislead people but I also don't want to see them completely out in the cold.
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