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| health insurance question (FL) |
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| Phreakwars:
--- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---In order to be able to use an HSA, you need a high deductible medical plan. --- End quote --- Not true. An HSA requires no insurance what so ever. In fact, many local banks offer them. An HSA is nothing more then a glorified savings account used for only 1 purpose... medical bills. And it is YOUR MONEY. It is the EXACT SAME THING as opening a separate account at the bank and getting a debit card to go with it, tucking it under your mattress, and only whipping it out when you go to the Dr. The only difference between an HSA and a regular bank account, is an HSA ENSURES you will only spend that money on specifically medical bills by making it a condition of it's usage. Anybody who tells you any different, is either lying, or does not know jack about how an HSA actually works. |
| Phreakwars:
--- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---Max you can contribute per year into an HSA is around $3350 for a single adult, $6750 for a family. --- End quote --- Also not true, read the above statement. If your HSA provider places caps on contributions, then you need to either find another HSA provider, or talk to your local bank. What you're probably thinking of, is a FSA or FLEXIBLE SPENDING ACCOUNT which will cap you accordingly and requires a "gold" class insurance plan. |
| Phreakwars:
--- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---Trump already signed an executive order to end ACA, --- End quote --- Trump signed nothing but a document bloviating about wanting to repeal the ACA. That would be like me signing a document proclaiming I'm the best in the world at Super Pacman.. does it give any proof or documentation of skill or high score?? HELL NO, it would just say I declare myself the greatest. The so called executive order was nothing more then a ploy to give his supporters something to fap over. --- Quote ---Regardless of what happens with ACA, I would still pursue health insurance if you don't have it. --- End quote --- I'd only recommend that if you live in a state that has expanded on the ACA. In states like Florida, Texas, etc. Your gonna get screwed, your gonna pay alot of money, and you aren't gonna get any worthwhile coverage unless you have a catastrophic event. |
| yotsuya:
I just wanna chime in that I want to buy Phreakwars a beer sometime. |
| pbj:
Nothing stopping you from spending that HSA on whatever you want, you're just supposed to declare it on your taxes if it wasn't healthcare related. I used mine to pay rent once. :P |
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