The Deuce: I hate health insurance bullshit.*

For those with a family HDHP, do you fund the entire deductible in your HSA? - snipes824 October 29, 2025, 10:13:41

I repeat. SINGLE PAYER NOW* - Jackie October 30, 2025, 15:39:45
- Preach sister!* - ATL October 30, 2025, 15:43:22
I hate health insurance bullshit.* - Warrin'_Illini October 30, 2025, 11:39:52

...says the residents of only one developed country in the world.* - KingTalkyTiki October 30, 2025, 13:10:44
I'm on pins and needles waiting to see what the premiums are gonna be* - Sammich October 30, 2025, 12:23:45
Between premiums and payments, I'm north of $55K this year. - uofi1998 October 30, 2025, 11:43:23
- I don't get paid shit for salary but I do have the cheapest premiums of anyone I know - Taz October 30, 2025, 14:54:25
  - My premiums end up being about 100 bucks a week for my family... - haighter October 30, 2025, 15:02:29
- holy shit* - VIV October 30, 2025, 13:14:23
- Woof...I'm just shy of 20K and thought I was getting fucked. I'll be quiet now. * - haighter October 30, 2025, 12:46:13
  - Apparently Arizona is just shit for HI. - uofi1998 October 30, 2025, 13:35:07
    - How did it wreck healthcare insurance?* - Carl Spackler October 30, 2025, 16:01:06
      - I'll get into it later... but it's been a source of consternation since 2012 or so... - uofi1998 October 30, 2025, 16:02:40
    - Things I learned this year..."Max Out of Pocket" is calculated on... - haighter October 30, 2025, 14:01:30
      - ^gets it* - uofi1998 October 30, 2025, 16:07:49
- whoa* - EffinIllini October 30, 2025, 12:33:08
- I HATE IT1!!* - Warrin'_Illini October 30, 2025, 11:47:16
- That is asinine* - snipes824 October 30, 2025, 11:47:11
- I'm learning the limits of the term "out of pocket maximum" this year* - Sammich October 30, 2025, 11:44:50

I can't talk myself into a HDHP for our family from a PPO, though maybe we should. - EffinIllini October 30, 2025, 10:49:50
- Probably super dumb question...but here goes... - EffinIllini October 30, 2025, 12:29:00
  - I’m sure it depends on the plan but for us everything is the same between PPO and HDHP but the - ATL October 30, 2025, 14:19:56
- Yeah, if they had it in the 90's-00's I would have taken advantage of it. - KingTalkyTiki October 30, 2025, 11:11:46
  - Right. And probably before kids. - EffinIllini October 30, 2025, 11:17:40
- It essentially comes down to the premium difference, deductibles, coinsurance rates - snipes824 October 30, 2025, 10:56:18
  - Companies are also lazy and will offer plans that no one should take. - Carl Spackler October 30, 2025, 11:28:24
    - They offer both to incentivize the HDHP, especially if self-funded* - Dilbert October 30, 2025, 12:35:44
      - Just don’t even give the PPO option, that’s what my past 2 companies did. - Carl Spackler October 30, 2025, 12:37:55
        
        #olds - Dilbert October 30, 2025, 12:39:18
    - So this is making me think I need to look closer at the HDHP. However... - EffinIllini October 30, 2025, 12:22:44
    - PPO requires basically no coordination if I remember correctly? - ISeeDeadHawkeyes October 30, 2025, 11:32:13
      - HMO is different from HDHP. My HDHP is open access* - snipes824 October 30, 2025, 11:39:10
  - Congrats!* - ISeeDeadHawkeyes October 30, 2025, 11:07:28
    - Ha, thanks. This is the planning phase, so not yet. But hopefully a “congrats” on the way sometime - snipes824 October 30, 2025, 11:32:15
  - Your last line seems crazy to me that a HDHP would be cheaper than a PPO in that situation. - EffinIllini October 30, 2025, 11:05:26
    - The premium plus company HSA payment difference is over $4000 per year. - ATL October 30, 2025, 13:26:22
    - Here are my 2026 rates - Dilbert October 30, 2025, 12:29:31
    - Yeah not all plans are created equal - snipes824 October 30, 2025, 11:29:38
      - That pregnancy isn't going to be $20k - Dilbert October 30, 2025, 12:31:44
        
        And the higher the cost, the better the math works out in HDHP favor - snipes824 October 30, 2025, 13:16:17
        
        Well, but also pushes to the max out of pocket, which you will likely hit that year. - Dilbert October 30, 2025, 13:57:14
        
        Also don't forget the max out of pocket that you'll likely hit with the HDHP - illinibone October 30, 2025, 12:40:06
      - Yeah, gotcha. - EffinIllini October 30, 2025, 12:14:02
        
        Yeah I’d try running the numbers the next time you’re in open enrollment - snipes824 October 30, 2025, 13:26:08
Yes we fund to max ($9550 this year) - and use a debit card for purchases - jfinsocal October 29, 2025, 13:54:23
Sidejack, I really need to understand the Mega Back Door Roth IRA* - Dilbert October 29, 2025, 13:23:37
- meh. keep that money away from the government for as long as possible.* - Ari Gold October 29, 2025, 19:20:51
- It's easy if your 401k allows in plan conversions. If not, you need an empty traditional IRA* - illinibone October 29, 2025, 13:42:02
  - My old employer had a very generous post tax contribution policy (matched all the way) - ATL October 29, 2025, 20:48:36
I treat it like an IRA: max it out, and pay for healthcare directly out of pocket.* - illinibone October 29, 2025, 13:18:13
Now I max out the amount I save in it. Earlier on I did the deductible only, which is/was lower. - ATL October 29, 2025, 10:55:53
If you have extra money it’s a great investment tool* - CoronaTheirAss October 29, 2025, 10:36:29
I max out the allowable amount regardless of deductible amount - Dilbert October 29, 2025, 10:22:02
- Hats off to you, but I can’t believe people do this. - Carl Spackler October 29, 2025, 10:37:04
  - Yeah it’s a sound financial strategy, but it’s a half too clever for me* - snipes824 October 29, 2025, 11:10:20
  - To be clear, the intention is to save and use in retirement. - Dilbert October 29, 2025, 10:53:03
    - this is america.* - Nobster October 29, 2025, 20:59:33
    - Yes this. I've got enough big ticket receipts that if they ever audited I'd be fine. - illinibone October 29, 2025, 13:19:19
    - Yeah, I do the same. mini had an ER trip last year due to a sports injury and - ATL October 29, 2025, 10:56:44
I get $$$ put into my HSA by my company. - Carl Spackler October 29, 2025, 10:17:00
- Oh I didn’t understand your original question, but yes fully fund it, it’s an awesome investment. - Carl Spackler October 29, 2025, 10:38:57

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