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To: wizr

My employer offered HSAs and a payment if you dropped insurance all together. I dropped my insurance through work and joined my husband's HMO.
HMOs and PPOs are a pain of bureacracy sometimes. But 3000/year taken PRETAX + 500-1000 out of pocket for regular visits is cheaper than the 5000 minimum for the HSA that is out of pocket.
My company's HSA has been taken mostly by healthy people who use extra money for lasik and massages. Older people stay in the HMO, which drives up premiums.
After age 50, people reasonably think you'll need a back surgery and cancer screenings and glasses and perhaps a heart bypass. in that case, the HMO is drastically cheaper out of pocket than the HSA.


11 posted on 04/14/2006 10:48:45 AM PDT by HumanitysEdge (http://calc.homeip.net/humanedge.html)
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To: HumanitysEdge
cheaper than the 5000 minimum maximum for the HSA
25 posted on 04/14/2006 1:13:54 PM PDT by TheOracleAtLilac
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