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Aug 22, 2024
10:55
:46
am
Greg Kite's 'stache
All-American
Raise, lower, it could go either way.
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Greg Kite's 'stache
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Greg Kite's 'stache
Joined
May 18, 2011
Last login
Oct 4, 2024
Total posts
8,220 (439 FO)
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Messages
Author
Time
Do you own an FSA or HSA account?
Coug
Texan
Aug 22, 10:28am
HSA >>>>>>>>> FSA. HSA rolls over year to year and you can invest the money.
dYrtbYkerYder
Aug 22, 10:31am
Also the HSA vs PPO debate is still valid since who wants higher deductibles!?
Cougarclaw
Aug 22, 10:36am
I did the math and at every level of medical expense HDHP was cheaper than PPO
NotRelated
Aug 22, 11:00am
This....my previous employer was 40K plus and they said that 99% of all
sandtrapcougar
Aug 22, 11:23am
If you think about how risk plays into insurance premiums, any sort of plan that
cougarfan84
Aug 22, 11:32am
It was much simpler than that, but again deductibles/premiums vary, but at
sandtrapcougar
Aug 22, 12:16pm
Ditto. It didn’t come close to the cost of the low deductible PPO, unless we max out the deductible, which we never do.
BYU Folsom Fan
Aug 22, 2:20pm
It's so nice to have an untaxed account with thousands in it that you can pull
dYrtbYkerYder
Aug 22, 11:22am
I use my HSA as another retirement vehicle. It’s invested now and will continue to grow until I need it for healthcare
cheezedawg
Aug 22, 10:38am
I've been doing HSA since '08
jxncoog
Aug 22, 10:46am
In my experience the FSA funds you get upfront, then they kind of retroactively take it out of your check.
Jimo Dashen
Aug 22, 10:32am
HSA is only allowed with a high deductible plan, but it's your money forever
Schultz is back
Aug 22, 10:32am
Right now my Health plan deductible is $1500 individual and $3000 family
Coug
Aug 22, 10:35am
Do you currently meet your deductible every year?
goldengoose
Aug 22, 10:40am
Some years yes... this year we have only because I just had surgery...
Coug
Aug 22, 10:46am
I regret my HSA, one mole removal and bam you’re on the hook for thousands.
Bluedomination
Aug 22, 10:44am
That's surprising. I had a mole removed last year and it only cost me about
cougarfan84
Aug 22, 11:09am
RE: Right now my Health plan deductible is $1500 individual and $3000 family
Himni
Aug 22, 11:19am
I use an HSA. If you want to save money now, FSA might be better.
OPINIONS
Aug 22, 10:35am
“trying to lower my tax deductions” 🤔
cheezedawg
Aug 22, 10:36am
Raise, lower, it could go either way.
Greg Kite's 'stache
Aug 22, 10:55am
I love my HSA.
goldengoose
Aug 22, 10:36am
If you can afford paying out of pocket on stuff, this is the way.
OPINIONS
Aug 22, 10:36am
My deductible is only $4000 for family.
goldengoose
Aug 22, 10:46am
And if you are worried about paying for the out of pocket expenses, then keep an
cougarfan84
Aug 22, 11:22am
Why not just invest everything (keeping the minimum threshold) and sell when...
OPINIONS
Aug 22, 11:41am
That's what we do.
goldengoose
Aug 22, 11:51am
HSA - triple tax protection.
tyler durden
Aug 22, 10:54am
I spent the first 12 years of my career with a PPO plan that either had no
cougarfan84
Aug 22, 11:20am
I should add that many times companies will contribute some sort of money to
cougarfan84
Aug 22, 11:25am
I consider my HSA like a Roth IRA with more flexibility. Plus it’s fully deductible.
BYU Folsom Fan
Aug 22, 11:23am
IF you can talk yourself into an HDHP, definitely max out your HSA. It's
Mitty
Aug 22, 11:48am
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