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Reply to "Is HSA preferrable over regular health insurance plans? "
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[quote=Anonymous][quote=Anonymous]In this example, the HSA seems like a no-brainer although it would appear reading through the thread that the HSA insurance doesn't provide as much coverage as the current insurance. You also have to factor in the tax savings from putting $8800 (is that the max family HSA contribution?) pre-tax into your HSA. That is $8800 less of taxable income vs. sticking with your current plan. If your marginal tax rate is say 35%, well that is another $3,000 of savings.[/quote] NP and I'm not sure that's entirely right. While the HSA contributions and gains are tax free subject to withdrawal ruled the premiums on the regular policy are tax free as well so you should only count the tax benefits on the delta between the two.[/quote]
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