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re: Talk me out of choosing a high deductible plan + HSA
Posted on 10/11/17 at 4:59 pm to AmeriKop45
Posted on 10/11/17 at 4:59 pm to AmeriKop45
That's good info there. So even with 2 young kids (healthy) the HDHP is typically worth it? I haven't done enough research but have to pick a plan soon.
I have gone to the doctor prob 3-5 times in my adult life I don't see that changing unless something happens.
That is a scary figure
I have gone to the doctor prob 3-5 times in my adult life I don't see that changing unless something happens.
quote:
For reference, the average retirement savings in the US is $201K.
That is a scary figure
2
Posted on 10/11/17 at 5:25 pm to OceanMan
quote:
That's good info there. So even with 2 young kids (healthy) the HDHP is typically worth it?
quote:
I have gone to the doctor prob 3-5 times in my adult life I don't see that changing unless something happens.
Based on these two things, in a vaccum, I would be say yes.
But there are other things you might want to consider (Its easier than it sounds). Just think ahead 1 year and see if you see any big medical expenses coming up - a big one is - plan for another baby?
Just ask yourself these questions and also honestly know whether or not you will maximize the benefit. Until you hit 1x your deductible (And really every year thereafter) - you absolutely should.
This post was edited on 10/11/17 at 5:27 pm
Posted on 10/12/17 at 12:07 pm to OceanMan
quote:
For reference, the average retirement savings in the US is $201K.
That is a scary figure
My Mom is single and 57. She recently lost her job when the company had layoffs. She was able to catch on fairly quickly with a new company. She is single, house will be paid off in 2 years.
She asked me to find her a place to do a 401K rollover. She gave me the statements for all her iRA and 401K accounts she has.
Total was less than 75K.
Lot of people in that situation.
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