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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We left the PPO a few years ago for Kaiser HMO. It's cheaper and no worse quality, if anything, I'm impressed by the efficiency.

We also have a high deductible plan and a HSA that we max out. We cash flow our health expenses as we will never hit the deductible, although if something does happen we can easily pay the deductible, which with Kaiser, isn't that high, about 4k per family member. This allows us to treat our [b]HSA as a secret investment account[/b] and it's done very well. When we retire it will be worth quite a bit and we don't have to use it for health expenses. It becomes basically another Roth.

Just learn to be smart with your healthcare planning. Use it as a tool to work for you. [/quote]

The HSA isn't a "secret" investment account. It is set up to be used this way so that you pay for most of your expenses out of pocket instead of tapping into insurance. [/quote]

Because of the deductible we are still paying out of pocket for our care. The HSA allows us to park a lot more tax deferred income into a growth account. I posted earlier and made a mistake, the deductible is 1600, the MOOP is 4k per family member. Or something like that. We can easily afford both the deductible and MOOP if it happens, making the HSA a great tax deferred investment tool on top of our 401ks. [/quote]

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