- 14,809
I pulled the trigger and re-wrote my family. I was paying just over $400 for the three of us; I'm 41, wife 46, son 7.
New premium? $214. You heard me - $214.
$10,000 deductible HSA and screw it. I'm in "health insurance is for asset protection" mode - if they offered a $15,000 HSA deductible I've have chosen that.
I bust on my clients for complaining but I looked at my monthly payments thinking "this is rubbish." Married for 11 years and with our son our "huge" medical event was my son's ear infection.
I was actually looking at the $15,000 Max Plan however that's only $209 and didn't make any sense when compared to the 10K HSA.
I could have gone completely whacked out with the $25K deductible for $164 but again - not justified.
So I'm set - for years. Can handle years and years of rate increases without having to "f" with this all the time.
New premium? $214. You heard me - $214.
$10,000 deductible HSA and screw it. I'm in "health insurance is for asset protection" mode - if they offered a $15,000 HSA deductible I've have chosen that.
I bust on my clients for complaining but I looked at my monthly payments thinking "this is rubbish." Married for 11 years and with our son our "huge" medical event was my son's ear infection.
I was actually looking at the $15,000 Max Plan however that's only $209 and didn't make any sense when compared to the 10K HSA.
I could have gone completely whacked out with the $25K deductible for $164 but again - not justified.
So I'm set - for years. Can handle years and years of rate increases without having to "f" with this all the time.