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Oct 4, 2024
9:55
:05
am
supertux
Nice.
If you have lots of kids, or are still having more kids, or have risky kids, or just weak people that get sick all the
time, then HDHP probably isn't for you.
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supertux
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supertux
Joined
Nov 29, 2012
Last login
Oct 4, 2024
Total posts
57,838 (17,980 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
Thanks! This additional thread was helpful.
BlooGeek
2:06pm
It didn't work great for my family
OrangeCougar
6:10am
If you have lots of kids, or are still having more kids, or have risky kids, or just weak people that get sick all the
supertux
9:55am
Not necessarily. Depends on the facts. We had five years where we hit HDHP max.
Narfin'Coug
10:09am
Yeah it really depends
OrangeCougar
10:37am
HD plan not good if you have expensive medications.
CougSilver
8:16am
That may or may not be true, depending upon the details of the plan. As a parent of a daughter who needs insulin
jdub
9:36am
Many helpful comments and linked threads here. Thanks all for taking the time! It seems like the only way this goes
BlooGeek
2:04pm
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