Quote:
Originally Posted by W.M.DEEEZ
I've had one of those high deductible accts. for about 2 years.
I'm self employed, and before this plan, my premiums went from about $250.00/mo, to almost $600.00/mo. in less than 3 years.
I'm healthy, take no prescriptions, and quite frankly, never went to doctors at all.
So, the high deductible acct. works for me, as my premiums are under $200.00/mo.. Of course, I pay the first $5200.00 out of my pocket if I need medical help.
I am entitled to put about $2500.00/year into a health savings acct., tax free as long as I use it for medical care.
I would rather save the money, and use it how I want, rather than pay what would no doubt be over $700.00/month to the ins. co.
But I am healthy. If I was on any one or two medications, it might be worth the ultra high premiums.
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Yes, they key with this account is to stay healthy... It'll pay for a catastrophic situation, but not routine stuff... I have mine through employer, so i get matching contributions (and no premiums for 2 years, $300 thereafter)... So right now, i'm getting paid $50/month to keep my health insurance...
Out of pocket cost is $1200, which is reasonable...