I like this idea.
Alright I just completed my application to Obamacare. It took me an hour and 20 minutes on the phone. The agent that I was working with said they don't even attempt to use the computer because it never works. So every person they sign-up is through the phone.
My plan is pretty crappy with a high deductible but it does save a lot of money. I am not sure if I will make the switch yet or not. If I do I will certainly have to max out my HSA account and hope that we don't hit any huge illnesses in the first couple of years while I build up some extra cash.
It is kind of crazy that the lowest deductible plan they would offer me is $2500.
Do HSA carry over? For example if I contribute 6000 this year and only use 2000 can I contribute 6000 the next year and have 10k in it?
Now get on with dodo poll identity thread!
Yes. And the interest grow tax free if used for a qualified medical expense. You can also "fund as you go" meaning open the account and wait until you incur a claim. Pay the claim and then put $ into the HSA and pay yourself back. That contribution will be tax deductible even if you don't itemize. Many HSAs have $1 balances and are used to pay for care tax free as you go.
As a general rule, HSAs are the way to go if you bank the premium difference. After a while, you have a 100% plan...Im a big fan. Plus you will get preventive care at no charge.
HSAs dont always make sense is you have a chronic condition that requires a lot of office visits or drugs. But if you get hit by a bus or have a major illness, there isnt much difference between the 2 as you will most likely hit your OOP max in either case.
PM if you want to go into specifics.
so no DODO outing, huh? was it Moonz?
PM, OGB for deets.
so no DODO outing, huh? was it Moonz?
give me a fucking break
Meh, I just figured "outrageous parody with no consequences from mods?"
i am hardly over here, but it doesnt look like a parody to me
and don't you dare "meh" me mother fucka!!!!
I'm quoting this just so everyone can remember what post it was that finally got you banned.
Also, a quick IP check turned up that this is the alias of a long time poster. That poster will be contacted and given a chance to explain.
I was just hoping it would be someone more interesting than caturday or whatever.