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Money and Finances
Reply to "High Deductible Health Insurance Plan"
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[quote=Anonymous]I didn't have the HD plan at my job for 15 years. When i switched jobs and ran the numbers I realized what a HUGE mistake I made. An HSA is the best possible saving vehicle: tax free and and out. I should have maxed my HSA as an investment vehicle and gone HD. In the 15 years I would have saved money (premium+deductible) in all but 2 years and even in those years the HSA made it a wash. As others have said it is a bit of a mental hurdle to overcome and the first few times you get a bill it is a shock. But always keep in mind the premium savings (which are guaranteed) vs the out of pocket. This is especially so if your employer gives you a contribution towards an HSA as an inducement to choose HD plans. If your family is generally healthy I would take a hard look at the HD. But DO NOT spend the money in your HSA. Let it grow tax free. [/quote]
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