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Brian Jones
Club 27



Registered: 12/18/12
Posts: 12,340
Loc: attending Snake Church
Last seen: 4 hours, 17 minutes
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High deductible medical insurance
#27728484 - 04/10/22 08:46 AM (1 year, 9 months ago) |
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Does anybody know what the amount is to qualify as a high deductible medical insurance through an employer. I know my total annual deductible for Blue Cross has been 2K, and I think it was raised to 3K. I'm assuming this qualifies, but am not positive. If I used the health savings account through my employer it would be funded with pretax dollars. However I got my own HSA through Fidelity and I fund it with after tax dollars so I can deduct what I put in from my gross income if it qualifies.
I'm getting ready to file for this year and last year, LOL, but time is not of the essence, because I don't owe for either year.
-------------------- "The Rolling Stones will break up over Brian Jones' dead body" John Lennon I don't want no commies in my car. No Christians either. The worst thing about corruption is that it works so well,
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geokills
∙∙∙∙☼ º¿° ☼∙∙∙∙


Registered: 05/08/01
Posts: 23,417
Loc: city of angels
Last seen: 1 minute, 5 seconds
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Re: High deductible medical insurance [Re: Brian Jones]
#27728871 - 04/10/22 01:16 PM (1 year, 9 months ago) |
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I don't know the answer to your question, but I would love to have a $2K deductible . I don't get insurance through employment, so I've been hanging onto a pre-ACA Blue Shield PPO plan that, when it was just me had a $4K deductible and at the time cost me only a couple hundred bucks a month, now that I have the wife and kid on it and we're nearly 40, it costs $1000/mo for the three of us with a combined $8K deductible and more or less nothing meaningful covered up to that $8K, but then everything is covered. Kind of lame since it's rare that we ever hit the deductible (only once when we had our child in fact), but the numbers still work since if we were to ever experience a catastrophic illness or accident, paying ~$20K for total annual medical expenses is tolerable.
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-------------------- ┼ ··∙ long live the shroomery ∙·· ┼ ...╬π╥ ╥π╬...
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Brian Jones
Club 27



Registered: 12/18/12
Posts: 12,340
Loc: attending Snake Church
Last seen: 4 hours, 17 minutes
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Re: High deductible medical insurance [Re: geokills]
#27730062 - 04/11/22 09:17 AM (1 year, 9 months ago) |
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I had an individual plan Blue Cross plan for about 10 years. There were 2 or 3 rate increases a year. They would periodically say, if you want to raise your deductible, the rates go down. By the time I cancelled was so high it was barely insurance.
-------------------- "The Rolling Stones will break up over Brian Jones' dead body" John Lennon I don't want no commies in my car. No Christians either. The worst thing about corruption is that it works so well,
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