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Your opinion/input on HSA health insurance? (high deductible) [View All]

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wartrace Donating Member (920 posts) Send PM | Profile | Ignore Mon Mar-30-09 10:42 AM
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Your opinion/input on HSA health insurance? (high deductible)
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I'm going to be without health insurance in a couple of months and have been shopping around. I found a plan from Blue cross/blue shield for 116/mo with a yearly deductible of 5,000 dollars. This is a policy for a single individual. I am not on any medication & no known health problems.

My questions are this; Are HSA health insurance plans a good way to go? Are there drawbacks to this type of insurance? I realize I am responsible for the first 5,000 dollars of expenses. I have shopped other plans but a policy like I enjoy now with my employer is over three hundred dollars a month and I would still have a co-pay to deal with. I am planning on self employment and I will not have the capital to invest in the business if I am forced to pay much over 150.00 a month for coverage. I will be able to invest 2500 in the HSA account to start but I would like to keep my monthly expenses as low as possible for the first few years.

Any opinions?
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  -Your opinion/input on HSA health insurance? (high deductible) wartrace  Mar-30-09 10:42 AM   #0 
  - We had an HSA plan  madaboutharry   Mar-30-09 10:46 AM   #1 
  - You - Like Myself - Are Good Examples Why Single Payer Is The Only Way To Go...  global1   Mar-30-09 10:48 AM   #2 
  - That would be nice.  wartrace   Mar-30-09 11:16 AM   #10 
  - If your health is good and you've got $5000 in case of emergencies  willing dwarf   Mar-30-09 10:48 AM   #3 
  - It would only be useful if you needed something like heart surgery  old mark   Mar-30-09 10:52 AM   #4 
  - Thats why I want it. Major health issues could bankrupt me.  wartrace   Mar-30-09 11:10 AM   #8 
     - I live in PA, and finally qualified for the state supported cheap  old mark   Mar-30-09 04:09 PM   #16 
  - If you do not need a lot of Health care, this is ok for a while.  OHdem10   Mar-30-09 10:59 AM   #5 
  - It is a short term fix for me (hopefully).  wartrace   Mar-30-09 11:05 AM   #7 
  - Being in good health might be a contraindication for this type of plan  frazzled   Mar-30-09 11:04 AM   #6 
  - I went from being to healthy  Lars39   Mar-30-09 11:11 AM   #9 
  - I am hoping I can manage.  wartrace   Mar-30-09 11:24 AM   #11 
  - I'm mixed... HSA is just a band-aid solution really...  mwooldri   Mar-30-09 11:26 AM   #12 
  - Avoid BCBS at all costs. They will escalate you at a minimum of 25% each year.  patriotvoice   Mar-30-09 11:46 AM   #13 
  - They suck sweaty maggot infected bull testicles.  hunter   Mar-30-09 12:04 PM   #14 
  - My employer is moving to a HSA plan next year  dflprincess   Mar-30-09 12:06 PM   #15 
  - I'm on a High Deductible Plan...  Xolodno   Mar-30-09 04:41 PM   #17 
  - Do you realize health savings accounts are the GOP agenda for healthcare?  antigop   Mar-30-09 05:10 PM   #18 
     - It may be a good thing (short term) for me.  wartrace   Mar-30-09 06:32 PM   #19 
        - I hear ya, wartrace. Hope things improve for you. n/t  antigop   Mar-30-09 06:58 PM   #20 

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