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seabeyond

(110,159 posts)

6. i get what you are saying. personally i think it is bullshit insurance

Reply to unblock (Reply #3)

Sat Jun 30, 2012, 11:48 PM

Jun 2012

we have this plan and i hate it. we pay cash for everything out of our hsa account and never even get close to our deductible.

i am very hesitant using medical for check ups and other stuff cause it is me paying cash.

i dont get the rave about this type of insurance.

hate it.

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32 replies

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I hope it doesn't become a target but I feel my HSA will be taken away [View all] RB TexLa Jun 2012 OP

No, EC Jun 2012 #1

I read they are likely to be changed. OP should read this..... Honeycombe8 Jul 2012 #30

Nah, you should be fine. joshcryer Jun 2012 #2

Why not? SickOfTheOnePct Jun 2012 #4

Key is "hammer comes down hard..." The caps on HSAs... joshcryer Jun 2012 #8

There are contribution caps, but I don't believe there are caps on the accounts SickOfTheOnePct Jun 2012 #10

Yeah, but they will only cover up to like $2-3 million or something. joshcryer Jun 2012 #11

Are you talking about the high deductible plans only covering $2-$3 million? n/t SickOfTheOnePct Jun 2012 #12

Yes. joshcryer Jul 2012 #14

the hsa contribution limit for 2012 if $6,250 for family, $3,100 for individuals. unblock Jul 2012 #16

But you don't need it to be in the millions SickOfTheOnePct Jul 2012 #18

fear not. hsa's are of the greatest benefit to fairly well-off people, so it won't go away. unblock Jun 2012 #3

Yeah, Bush made them policy. joshcryer Jun 2012 #5

i get what you are saying. personally i think it is bullshit insurance seabeyond Jun 2012 #6

I pay out of pocket when I've had to. I don't want to pull anything out of the HSA. RB TexLa Jun 2012 #7

well the idea is that it's cheaper if you don't eat up the deductible because the premiums are lower unblock Jun 2012 #13

You should be fine--it's a great deal for affluent people Lydia Leftcoast Jun 2012 #9

Not quite. I'm not affluent, & I'm in my employer's HSA DisgustipatedinCA Jul 2012 #17

That's not an HSA, which is for self-employed people or those who have no medical benefits Lydia Leftcoast Jul 2012 #20

No, that's not true. emmadoggy Jul 2012 #21

Not if your deductible is too high Lydia Leftcoast Jul 2012 #29

That may well be. emmadoggy Jul 2012 #31

$5000 is too high a deductible (in more ways than one!) Lydia Leftcoast Jul 2012 #32

It's a health savings account. I have piles of paperwork that say so. DisgustipatedinCA Jul 2012 #24

Employers can offer HSA as well RB TexLa Jul 2012 #25

Incorrect SickOfTheOnePct Jul 2012 #27

I had a high-deductible plan... meaculpa2011 Jul 2012 #26

Maybe, FSA limits get rolled back to 2500 in 2013 if I understand the law correctly. aikoaiko Jul 2012 #15

Yeah, that part stinks SickOfTheOnePct Jul 2012 #19

As long as you have a plan at least at bronze level nadinbrzezinski Jul 2012 #22

Who is "they" that will tell you you aren't paying enough to insurance companies? morningfog Jul 2012 #23

Only HSAs for large companies survive under ACA - indiv. HSAs are toast knockknock Jul 2012 #28