Reply to Is HSA preferrable over regular health insurance plans?

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[quote=Anonymous]My office offers an HSA plan with a relatively low deductible that costs more monthly than the true high deductible plan does — but the premiums worked out to roughly the same (maybe $30 a month more for family?) than the non-HSA PPO option at my spouse's office, and the deductible was only a few hundred dollars 
higher than that plan's was.

In that case, the HSA plan was a no-brainer even for our family where both adults have expensive chronic autoimmune diseases: My office puts money into the HSA, which more than covered the cost difference, and the ability to save the money for future health care costs is great. We no longer worry about trying to make sure we've guessed the right FSA amount, only to wind up running out of money in October or scrambling to find over-the-counter stuff to spend it on so we don't lose it; we just put the max into the HSA, and whatever we don't spend, we'll have later.

Because we have high ongoing costs, I was pretty sure an HSA plan wouldn't work for our household until I sat down and did the math during an open enrollment period. Might be worth doing the same for others, too.[/quote]

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