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Self-acquired HDHP-HSA?

Posted on 8/21/19 at 5:10 pm
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/21/19 at 5:10 pm
Im in an employer sponsored plan now but making an employer change, new doesn't have HDHP+HSA.

Can a schmuck like me shop for one on open market or do they have to be sponsored?
Posted by Snoopy04
Republic of Texas
Member since Aug 2015
3015 posts
Posted on 8/22/19 at 8:32 am to
quote:

open market

Get ready to be bent over the barrel
Posted by Golfer
Member since Nov 2005
75052 posts
Posted on 8/22/19 at 9:31 am to
quote:

new doesn't have HDHP


The hell?
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/22/19 at 1:02 pm to
Yes I thought it was odd too, huge corporation, but only traditional small deductible high premium health plans with useless flex options.
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/22/19 at 1:11 pm to
So can I buy on open market? Google has conflicting answers.
Posted by Snoopy04
Republic of Texas
Member since Aug 2015
3015 posts
Posted on 8/22/19 at 1:39 pm to
Yes you can.
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/22/19 at 1:51 pm to
Can you recommend a broker in GA?
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/22/19 at 1:53 pm to
Some of what I read was you cant buy it if your employer offers a plan. The exchange is only for people with no other options.... true or false?
Posted by Snoopy04
Republic of Texas
Member since Aug 2015
3015 posts
Posted on 8/22/19 at 11:10 pm to
quote:

Can you recommend a broker in GA?

You’d be better off calling each carrier you want a quote from. I don’t think health carriers are paying commissions to agents for individual health plans so they have no incentive to find the best for you. All carriers care about are employer group plans.
Posted by frogtown
Member since Aug 2017
5007 posts
Posted on 8/23/19 at 9:52 pm to
Shop all you want...but you will find employer based plans will blow away anything you purchase in the individual market(aka Obamacare exchange). Obamacare destroyed the non employer based HDHP market.
Posted by frogtown
Member since Aug 2017
5007 posts
Posted on 8/23/19 at 9:55 pm to
quote:

Can you recommend a broker in GA?


go to ehealth.com

your choices will be expensive as hell Obamacare compliant plans or short term 3 to 6 month plans.
Posted by deeprig9
Unincorporated Ozora, Georgia
Member since Sep 2012
63999 posts
Posted on 8/26/19 at 8:08 pm to
Thanks for the info everybody.

Posted by tiger91
In my own little world
Member since Nov 2005
36706 posts
Posted on 8/29/19 at 11:06 am to
We have one through BCBS-La. we’re both self employed.
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