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  #1  
Old 02-22-2006, 04:01 PM
GottaDiesel's Avatar
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High Deductible Health Plans (HDHP) with Health Savings Accounts (HSA)

I found this link:

http://opm.gov/hsa/faq.asp

But it looks like it is for Federal Employees only? Not sure.

Basically this is what I'm looking for, but I don't really know much about it... before I start reading if anyone has any info to share, be much appreciated... All the insurance places I call want to put me in $380 a month premiums... and that ain't "Gonna" happen...

Thanks for your time,

Pete

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Old 02-22-2006, 04:56 PM
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I'm not an accountant, but wouldnt it make sence to put 150-300$ a month into a savings account, and label it your health fund. And at the same time, increase your deductabal in your health insurance?

Why can a hospital take $50 from an insurance company, but require me to pay $200???
~Nate
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  #3  
Old 02-22-2006, 04:59 PM
GottaDiesel's Avatar
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Quote:
Originally Posted by Nate
Why can a hospital take $50 from an insurance company, but require me to pay $200???
~Nate
Please. Don't even get me started on that one!!! Such crap.

Anyway. Yes. That is basically what I want to do, but I need to make sure I do it the right way.
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Old 02-22-2006, 05:21 PM
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At the last non-profit I worked at we looked into HSA's due to the ceaselessly skyrocketing costs of health care. They are a pretty good option if you are young and healthy, but the plans we looked at were severely lacking in prescription drug coverage.

In the end we decided against the HSA plans because some of our best workers would have essentially been forced to quit since they did not make enough money to cover their own health expenses. Unless there are HSA plans out there that are a lot different than the ones that were available to us, they are not an option for people with chronic conditions.

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