This is kind of why we have chosen an HSA. High deductible with the option to set aside a significant amount of tax-free money to pay for medical expenses that are not paid by the insurance company.
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My sister’s family, with a self-employed husband and four active-in-many-athletic-activity teens, found an HSA to work for them, too.
If our politicians were really honest and for-the-people, HSA type insurance would be much more widely supported, geting people weaned away from the employer-sponsored plans that have so many negative ramifications.
Yet, the Obamites are moving in the opposite direction. The last version of the health care bill I read is not favorable to HSA plans at all.