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re: Alternatives to Flex Spending Account?
Posted on 3/25/13 at 12:53 pm to ZereauxSum
Posted on 3/25/13 at 12:53 pm to ZereauxSum
quote:
They couple the HSA with their high-deductible medical option, which I want no part of.
Why not? They generally have a maximum out of pocket that is pretty reasonable. YMMV but my employer's plan is such that the amount I can save in the HSA exactly equals the amount I can with flexdollars, the difference being that HSA isn't "use it or lose it" and basically is a second IRA.
1
Posted on 3/25/13 at 2:44 pm to foshizzle
quote:
Why not?
IIRC, the premiums were not much lower than the low deductible option. That plus the high deductible plus the fact that we were making a lot of trips to the doctor (2 small kids and my wife has had minor-moderate medical issues for years) just made it seem unattractive at the time. I probably owe it to myself to take another look though since our reality is a little different now. Like you and Catman said, losing money at the end of the plan year is for the birds.
If I were single it would be a no-brainer. In the past 5 years the only visits I have made were for physicals.
This post was edited on 3/25/13 at 3:11 pm
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