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Briefcaseboy
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Yagents,
Thanks for the link. You have been a great help.
Thanks for the link. You have been a great help.
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Only little people pay taxes
~ Leona Helmsley
The biggest advantages of the good hsa carriers, Humana, United and Assurant for families are there is only 1 deductible for the entire family and 100% coinsurance.
You are probably comparing deductibles and not out of pocket exposures.
HSAs are always a BETTER VALUE for families but sometimes it's tough show the value for individuals, especially younger ones.
The biggest advantages of the good hsa carriers, Humana, United and Assurant for families are there is only 1 deductible for the entire family and 100% coinsurance.
SO if I'm selling a $6,000 family HSA, that means it's $6,000 max out of pocket.
You can compare that to a janky BCBS copay plan with a $2,500 deductible, 80/20 coinsurance for another $3,000 and 3 deductibles for family.
If I'm an uneducated customer or agent (which appears to be in this case) and I compare $2,500 ded to $6,000 I'm not seeing the whole picture.