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Reply to "Is HSA preferrable over regular health insurance plans? "
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[quote=Anonymous][quote=Anonymous]Op here - we initially didn’t do it because I was pregnant a lot the past 9 years (6 pregnancies and 3 living children). But we are done having kids now and am wondering if it makes sense. However things like kids surgeries (tonsil and broken arm) have come up 3 times in the past 4 years. I guess we could just pay till we hit the deductible and then 80% would be covered by insurance? We also have things like food allergies, kidney problem (hopefully resolved for one kid), and just regular visits for 5 people every year. [/quote] Your family really doesn't sound like a candidate for an HSA. We have two high option insurances and financially it has worked out very well for us because of a number of long hospital stays. This is to the point where I feel sorry for the insurance company that is generally primary.[/quote]
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