[bix6]

You think regular Americans have the money to afford high deductible plans? One ER visit bankrupts people.

[raw_anon_1111]

High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution.

The difference being that if you don’t need to use your HSA in a year you keep it - unlike low deductible plans.

[bix6]

Ah yes because the family making $40k/year can afford $10k in medical expenses.

[raw_anon_1111]

In my experience the cost of a low deductible health plan is more expensive than a high deductible health plan + equivalent amount of a pre tax HSA.

I have never known a health care provider that you can’t negotiate a payment plan with. Even if your HSA isn’t funded, they could probably have a payment plan = HSA monthly contribution and then take it out of the HSA.

Yes I understand that a lot of people making $40K would be deftly afraid of doing that. But they would still statistically come out ahead

[jmye]

A family making 40k a year qualifies for significant benefits and subsidies, even today. But don't let not knowing what you're talking about stop you from angrily talking about it.