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HSA requires a high deductible health plan, not everyone could afford that deductible. "To contribute to an HSA, you'll need to be enrolled in an HSA-eligible
by supportengineer 1y ago
HSA requires a high deductible health plan, not everyone could afford that deductible.
"To contribute to an HSA, you'll need to be enrolled in an HSA-eligible health plan, also called a high-deductible health plan (HDHP)."
- xhrpost 1y agoYup, I agree HSA is superior but depending on your situation (and plans offered), the HDHP can be much more expensive out of pocket[1], even if you're paying with after tax dollars. Sweet spot I think is using a good low deductible plan when it makes sense but having a spouse with an HSA which both spouses can use for expenses. [1]: or so it seems, I tried to figure this out earlier in the year and the data is just lacking in order to make a perfect decision.