HSAs and HDHPs

If you or on high deductible plan, consider hsa :)

Well, that's what the HSA is intended for =)

HSA requires a high deductible plan, so, no.

My high deductable plan doesn't cover anything until I spend $1.5k on health costs in a year. (Except preventive health stuff, that's all covered.) After you pay 1.5k they cover everything. My company and I pay a premium for this coverage (it's not nearly as high as the co-pay and HMO plans available).Really, when I got to the doctor once or twice a year, for a whopping grand total of about $70/visit, then spend MAYBE $100 on prescriptions/other medications with my prescription discount card,

It's a start, but imperfect because most people with a high deductible plan will also have a health savings account (HSA). The HSA may even be required, not sure. The problem with HSAs is that although it's "your" money, it can only be spent on qualified health expenses. So there's a reduced incentive to spend carefully, because you can't use the money for anything else.

My employer offers a high deductible plan and puts up to $750/yr into an HSA, no match required. This is cheaper for the organization, and often better than even a low deductible health plan for healthy people.

An HSA is essentially attached to high deductible insurance, so major emergencies that would cost over your high deductible would be covered in full.All of the lower cost, non-emergent services would get the benefit of you shopping around.You’d also need to be able to select your own insurance provider directly (pretax) rather than being stuck with whoever your employer selected.In the current situation your employer selects your provider, your medical service providers have to deal wit

What I've seen (and really like) is doing a great High Deductible Health Plan (i.e. HSA-eligible) -- something where you get top quality coverage for extreme things, and get access to the best doctors, and negotiated prices for everything from the first dollar each year, but are on the hook for the first $5k or so of costs.Then, your employer gives you $5k/yr tax-free into your HSA account; if you don't use it, it's basically equivalent to a Roth IRA. It's actually better to spend cash out o

Just get high deductible health care with an HSA, I pay about $80/mo and then however much I want to put in my account(which I keep!). Plus this does not keep me chained to a particular employer and I am free to change jobs without fear of losing health care coverage

This is the point of High Deductible Health Plans with access to HSA contributions.