||[Dec. 7th, 2008|12:23 pm]
The Question Club
|||||The More You Ruv Someone, Avenue Q Soundtrack||]|
I'm hip-deep in studies by various companies about HSA's--do any of you have an HSA that you wouldn't mind talking about? You can send me a private message if you want. My curiosity about what normal people actually think about HSAs is killing me (and I don't think that's considered preventative care...)
I'm curious about things like how long you've had the HSA, did your employer offer any type of education about consumer-driven health plans prior to putting the HSA in place, did you have an alternative, regular plan ( a non-high deductible plan) that you could take instead? Also, how big is your company, how old are you, do you like using the HSA, etc? What about education about the HSA?
How many of you have had any education about being a good consumer of your healthcare coverage? Would you be interested and, if so, are there any specific questions you'd like to have answered?
Ursula--er, I mean, my old boss, tried to tell one of our VP's that he could use the money in his HSA to fill his gas tank, without penalties. I think we're going to have to put her down, literally. I think it would be best for the mental health of all involved.
And, since I'm an idiot and deleted Cathh's comment without responding, I hope you will send me another, so I can help you! The best way to decide if an HSA is a good idea is to sit down with your medical bills for the last couple of years and see how much you spent. You'll be responsible for more costs with an HSA, but if you don't use your insurance frequently, it may be worth it to save some costs on premiums. You don't lose the deposited funds if you don't keep the high deductible plan, but there are some odd rules about how much can remain in the account if you leave the high deductible plan.