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High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution. The dif
by raw_anon_1111 7mo ago
High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution.
The difference being that if you don’t need to use your HSA in a year you keep it - unlike low deductible plans.
- bix6 7mo agoAh yes because the family making $40k/year can afford $10k in medical expenses.
- raw_anon_1111 7mo agoIn my experience the cost of a low deductible health plan is more expensive than a high deductible health plan + equivalent amount of a pre tax HSA. I have never known a health care provider that you can’t negotiate a payment plan with. Even if your HSA isn’t funded, they could probably have a payment plan = HSA monthly contribution and then take it out of the HSA. Yes I understand that a lot of people making $40K would be deftly afraid of doing that. But they would still statistically come out ahead
- jmye 7mo agoA family making 40k a year qualifies for significant benefits and subsidies, even today. But don't let not knowing what you're talking about stop you from angrily talking about it.