3 ms·
You only spend out of pocket until the various out of pocket limits kick in.
by dsfyu404ed 8y ago
You only spend out of pocket until the various out of pocket limits kick in.
- lotsofpulp 8y agoThere is only one out of pocket limit: https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/ https://www.healthcare.gov/glossary/out-of-pocket-maximum-li... Healthcare costs whatever it costs, no matter what the premium / deductible is. The more of it that is used, the more someone has to pay, and you can be sure the insurance company is going to adjust the premiums or deductible or coinsurance/copay to make sure it's not them (in the long run). The HSA/HDHP option just lets you gamble that you won't need enough medical care in the year to offset the investment and tax gains of contributing to an HSA. And if you're lucky, you'll make it all the way to Medicare eligibility. Although I'm pretty sure we'll see Medicare start being means tested in the next decade.