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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 11:42 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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