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Oct 3, 2024
9:57
:57
pm
Tokolosh
Stop the Stupid party member
I’ve preferred high deductible plans even when we’ve hit the max OOP. Probably just the plans we’ve had available but…
I still think we come out ahead by having lower premiums and an HSA contribution.
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Tokolosh
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Tokolosh
Joined
Jun 9, 2004
Last login
Oct 3, 2024
Total posts
61,965 (5,852 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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