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re: HSA vs Traditional Health Insurance
Posted on 3/4/15 at 8:21 am to PhiTiger1764
Posted on 3/4/15 at 8:21 am to PhiTiger1764
This is my thinking as well. My only concern is my wife and I are looking to have a baby within the next year or so, so I am not sure if I should wait or just stay where I am?
Posted on 3/4/15 at 8:43 am to TigerSaint1
How much does the HDHP cost you vs the plan you have now?
You seem to be leaving that out
You seem to be leaving that out
Posted on 3/4/15 at 8:44 am to TigerSaint1
If you are having a baby, I'd definitely stay put
Posted on 3/4/15 at 9:08 am to TigerSaint1
Taking the dental part out of it (as dental is not health insurance), what's the premium difference between the two plans? That difference automatically goes into the HSA. Then, can you make up the additional amount needed to fully fund your HSA?
Be careful with this. The math makes a lot of sense for young healthy people with no kids. Getting a pregnant makes your wife "unhealthy" - in that she will have increased medical expenses - and kids always have medical expenses.
Just look very closely at what the high deductible is, and what the cost sharing is after the deductible, compared to the traditional plan.
quote:
My only concern is my wife and I are looking to have a baby within the next year or so,
Be careful with this. The math makes a lot of sense for young healthy people with no kids. Getting a pregnant makes your wife "unhealthy" - in that she will have increased medical expenses - and kids always have medical expenses.
Just look very closely at what the high deductible is, and what the cost sharing is after the deductible, compared to the traditional plan.
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