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Health and Medicine
Reply to "Anyone have experience with a "high deductible" health insurance plan?"
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[quote=Anonymous][quote=Anonymous]OMG, OP here. I don't see how I can afford to put so much money in an account, I'm barely scraping by as it is and I don't have any leftover money in my budget to put away. I don't know how I'm going to afford my thyroid medication. I can't believe this. [/quote] If you are scraping by then the HSA may not make as much sense. The point of that is a tax deduction but that may not be relevant to you if you are below certain income threshholds. Remember that the point of a high deducible plan is that the premiums are lower so in theory the monthly premium savings balances out the out of pocket expenses. That is the case for us - the total of the monthly premiums plus the deductible is still less than a similar low deductible plan. It's worth calculating - I think on the ACA site there are calculators that will show this.[/quote]
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