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A lot of people with FSAs will have insurance that disqualifies having an HSA. I have the paranoid idea that they designed FSAs in such a goofy way for budget

A lot of people with FSAs will have insurance that disqualifies having an HSA. I have the paranoid idea that they designed FSAs in such a goofy way for budget scoring and it drives me nuts.

tptacek 1y ago
The preceding comment was discussing HDHPs, which depend on HSAs.
- maxerickson 1y ago
  You think it's obvious that "lesuorac" was scoping their comment to people that have an FSA with an HDHP? Doesn't read that way to me.
  - tptacek 1y ago
    It's obvious in that they specifically referred both to HSAs (not FSAs), and to HDHPs, which depend on HSAs, not FSAs. FSAs are not a kind of HSA. So, yeah. Little bit.
    - maxerickson 1y ago
      Which they? The comment I replied to literally says: "If you have a FSA I strongly suggest that you get an HSA instead." Did you mean to reply to them?
      - tptacek 1y ago
        You are I are both commenting on a subthread started by a comment that included "What you're describing isn't true for people on High Deductible Health Plans, and those plans are a bit of a racket because they're frequently paired with HSAs where [...]", none of which is true. I don't care about FSAs and am not trying to argue with anybody about them, but that preceding comment is very wrong about HSAs and HDHPs.
  - lesuorac 1y ago
    The post I was replying to originally used the word "FSA" in the locations that they currently use "HSA". My post does seem a bit weird after their edit but at least one person learned something.
no_wizard 1y ago
>A lot of people with FSAs will have insurance that disqualifies having an HSA. Which should be illegal. It should be only HSA across the board. Its nonsensical that this is a thing. I'd love an HSA, but I can't due to my plan (can't do a high deductible plan for $reasons). I think there may be some loophole in setting up an independent HSA but I haven't looked into it enough, only recently heard of such a scheme
- com2kid 1y ago
  FSA is just a 30%-ish discount on medical expenses. It is useful for eye glasses and such. A lot of QoL services qualify for FSA, including weight loss coaches and therapy. Heck my (prescription) meta ray bans were paid for in part with FSA funds.

A lot of people with FSAs will have insurance that disqualifies having an HSA. I have the paranoid idea that they designed FSAs in such a goofy way for budget scoring and it drives me nuts.

tptacek 1y ago

The preceding comment was discussing HDHPs, which depend on HSAs.

maxerickson 1y ago
You think it's obvious that "lesuorac" was scoping their comment to people that have an FSA with an HDHP? Doesn't read that way to me.
- tptacek 1y ago
  It's obvious in that they specifically referred both to HSAs (not FSAs), and to HDHPs, which depend on HSAs, not FSAs. FSAs are not a kind of HSA. So, yeah. Little bit.
  - maxerickson 1y ago
    Which they? The comment I replied to literally says: "If you have a FSA I strongly suggest that you get an HSA instead." Did you mean to reply to them?
    - tptacek 1y ago
      You are I are both commenting on a subthread started by a comment that included "What you're describing isn't true for people on High Deductible Health Plans, and those plans are a bit of a racket because they're frequently paired with HSAs where [...]", none of which is true. I don't care about FSAs and am not trying to argue with anybody about them, but that preceding comment is very wrong about HSAs and HDHPs.
- lesuorac 1y ago
  The post I was replying to originally used the word "FSA" in the locations that they currently use "HSA". My post does seem a bit weird after their edit but at least one person learned something.

no_wizard 1y ago

>A lot of people with FSAs will have insurance that disqualifies having an HSA. Which should be illegal. It should be only HSA across the board. Its nonsensical that this is a thing. I'd love an HSA, but I can't due to my plan (can't do a high deductible plan for $reasons). I think there may be some loophole in setting up an independent HSA but I haven't looked into it enough, only recently heard of such a scheme

com2kid 1y ago
FSA is just a 30%-ish discount on medical expenses. It is useful for eye glasses and such. A lot of QoL services qualify for FSA, including weight loss coaches and therapy. Heck my (prescription) meta ray bans were paid for in part with FSA funds.