I've never done anything but high deductible with HSA plans.

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Oct 3, 2024
9:50:04pm

Preppy All-American

I've never done anything but high deductible with HSA plans.

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Preppy

Previous username: Forever Young
Bio page: Preppy
Joined: Nov 14, 2006
Last login: Oct 4, 2024
Total posts: 11,275 (1,495 FO)

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Messages

Author

Time

Curious what experiences have been moving from traditional healthcare plan to high deductible HSA plan? Considering a

BlooGeek Exceptional Grip Strength

Oct 3, 9:46pm

I've never done anything but high deductible with HSA plans.

Preppy

Oct 3, 9:50pm

I’m a fan of high-deductible plans.

garyfan

Oct 3, 9:50pm

I have extremely high medical bills and HD plan saves a ton of money.

GilbertAZCougar

12:00am

Everything is a risk. If you’re healthy, take the risk.

Powerbait DPM

Oct 3, 9:51pm

On the cheapest plan it's a $210 savings from what we're paying now + $6K ded but employer also kicks in $3k/yr to HSA.

BlooGeek

Oct 3, 9:56pm

That’s $5,520 in free money, which almost fully offsets your higher deductible.

garyfan

Oct 3, 9:59pm

Do you have enough in savings to cover OOP max? If so, as gary points out, it's

benMN

Oct 3, 10:24pm

I’ve preferred high deductible plans even when we’ve hit the max OOP. Probably just the plans we’ve had available but…

Tokolosh

Oct 3, 9:57pm

We changed a few years ago

cougarBee

Oct 3, 10:01pm

I’ve had knee surgery, a baby, wife had an ER visit. Needless to say we’ve met

Magneto

Oct 3, 10:04pm

I've liked the high deductible/HSA plan, even with a Type 1 diabetic daughter. FYI, I didn't like DMBA for her

jdub

Oct 3, 10:06pm

I really wouldn't consider this risky

bythenumbers

Oct 3, 10:14pm

Keep in mind, on that HD HSA, prescriptions

Future_Tacos

Oct 3, 10:15pm

Google “triple tax advantage”. It’s awesome. I’ve been on HSA for 10+ years but

brazilcoug

Oct 3, 10:31pm

Same. HSA is sitting at $127k today.

BYTrue

Oct 3, 10:48pm

Nice. How long you been contributing to it? I max it out every year.

brazilcoug

Oct 3, 11:02pm

About 10 years

BYTrue

Oct 3, 11:08pm

We do high deductible plans. There is risk

NYCougz

Oct 3, 10:39pm

RE: Curious what experiences have been moving from traditional healthcare plan to high deductible HSA plan? Considering

jxncoog

Oct 3, 10:42pm

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