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HSA is superior because it’s not use it or lose it and it’s portable. So the money in there is yours. But it’s only available on HDHP’s which are usually only good for those with lower health needs.
Don’t know what the preexisting condition is, but if you see the doctor a lot, I could see a PPO + FSA netting out better for higher usage people.
I would just try to game out doing the math on a typical year using both plans and see. Previous Message
I am in need of some tax help/insight...
I have an HSA, my fiancee has an FSA
My understanding is that we have to pick one route and abandon the other.
I found articles circa 2010-ish that indicated we could each keep our plans as long as the insurance part covered only the individual e.g. do not elect a family plan.
However, more recent articles seem to say that the HSA is toast if the partner has an FSA, and we both agree it's probably better for her to keep her plan due to cost and a potential hit on a pre-existing condition.
Any of you had to navigate this? What were your solutions?
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Power of the Deuce: HSA vs FSA for spouses on separate plans - ghost_of_clt Yesterday, 11:04:24
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