What's your ideal target for an HSA?

[Anonymous]

We have young children and a decent amount of medical expenses now, we don't opt for the HDHP. Maybe in 10 years, but not now. I get the benefits, but we need more coverage now.

[Anonymous]

Anonymous wrote:We have young children and a decent amount of medical expenses now, we don't opt for the HDHP. Maybe in 10 years, but not now. I get the benefits, but we need more coverage now.

Have you ever done the math? I’ve been consistently surprised how little of a difference there is between PPOs and HDHPs once you take into account the different premiums. Of course, this varies widely among different plans and different medical spend patterns, but it’s worth checking the numbers if you haven’t.

[Anonymous]

Anonymous wrote:

Anonymous wrote:We have young children and a decent amount of medical expenses now, we don't opt for the HDHP. Maybe in 10 years, but not now. I get the benefits, but we need more coverage now.

Have you ever done the math? I’ve been consistently surprised how little of a difference there is between PPOs and HDHPs once you take into account the different premiums. Of course, this varies widely among different plans and different medical spend patterns, but it’s worth checking the numbers if you haven’t.

+1. What we save in premiums more than covers the increased deductible. But it’s hard for people who don’t have excess cash flow.