3 ms·
I'm on a HSA plan with an absurd deductible. The crazy thing is that the HSA plan is still cheaper given that my family does not have any critical event in the
by syntaxing 7y ago
I'm on a HSA plan with an absurd deductible. The crazy thing is that the HSA plan is still cheaper given that my family does not have any critical event in the next three years. HSA was a great idea (one of my employer had low premium + low deductible + good HSA account subsidy). But way too many employers and insurance company abuse it where people are afraid of using their insurance because of the out of pocket cost.
- irrational 7y agoIs your deductible higher than what you can put into the HSA? I’m putting about $7k into my HSA each year, but my deductible is only about $3.5k. The first year sucked because we had to pay out of pocket until we had enough in the HSA to be reimbursed. But by the end of the year we had enough to pay off the next year’s deductible. Now I have enough in the HSA to pay a few years worth of deductibles. We typically burn through the deductible by March of each year, but we get it all back from the HSA and all of our medications and visits are incredibly cheap for the remainder of the year.