HSAs are a misdirect to get you to ignore how shitty high deductible plans are. Never take the high deductible plan.
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It depends though. If you are relatively healthy with no chronic issues (yet) and have enough saved for an emergency, it can save you a good amount of tax-free money that you can use for when you get older and sicker. That and the monthly premium is much lower than a PPO. Obviously universal healthcare is still the best option.
My company has high deductible plan with $1800 deductible and another with $3600 deductible. I just divide those by 12 and add to monthly premium when comparing against HMO/PPO plans.
I'm single and old.
Is your company paying part of the deductible? I can't get an HSA-qualifying plan with deductible under $6000. Also single and old.
Generally the lower the deductible, someone is paying more upfront. How that is split between employer and employee is unknown to me. My last two jobs have had similar high deductible plans.
I save money with the HSA/high deductible. I always plan around using 100% of deductible. Premium plus HSA contribution is less than the PPO option.
I'll never pick an 80/20 plan. They generally charge more and cover less.
And I'm an old hag and have recently got cataract surgery in both eyes, hearing aids, etc.
HSAs are also a way to get healthy people away from wanting universal health care by catering to their self interest, just like how IRAs were intended to let people with money invest in retirement which eroded support for social security.
The fact that you get charged for a paper statement and that is not an opt in is more infuriating.
eyup. had this twice. so annoying that jobs don't let you choose an hsa for it to be deposited into.
MAX OUT YOUR HSA YEARLY!!! BANDAIDS, NEOSPORIN, I THINK BURTS BEESWAX!!! They take every penny you don't spend when you quit. I had to let 10k go earlier this year, and the kicker, the company you worked for gets to keep it. Carte Blanche. Mine gave it to mgrs as a bonus.
You don’t get it. It’s a health savings account.
They charitably contribute a whopping 0.05% APY to an account that drains to zero every year.
You're thinking of an FSA.