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Reply to "Is HSA preferrable over regular health insurance plans? "
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[quote=Anonymous][quote=Anonymous]NP here. One of my kids had a broken arm this year. The total bill for the surgery and hospital stay and ambulance ride etc was almost $100k. The weekly visits to the orthopedist and follow up X-rays would have added to that. Fortunately we did not have a high deductible plan but presumably if we’d had one we’d have been on the hook for 20%? $20k? I find it hard to understand how this can make sense unless you are lucky with accidents. We haven’t been. Two kids and this is the third accident requiring surgery in 3 years plus another routine broken arm, and prior to that when the kids were younger ENT and hernia surgery. Plus knee surgery for my spouse. And we’re generally very healthy. How does it work? [/quote] You pay the first $X, whatever your deductible is. Ours is $3k per person, max $6k total for the family. So in your case would have been $97k covered, $3k paid. This is assuming it was in network, of course.[/quote]
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