hi all,
For the past 20 + years my husband and I have opted for traditional health plans thr my husbands company, currently we pay $300 a month for insurance (including drugs), I think its about $2500 deductible, with $20 copay.
no kids just me and husband.
Shotrly we will be renewing our medical insurance I was thinking about HSA??????????..... problem is I do not really know what HSA is all about, I have done some research but was hoping to have some in put form you folks.
how does it work,
how much does it cost,
what are the advantages.
my husband said they would probably have a meeting in work about health care options, I have asked him to take lots of notes.
I will add that we are both in our late 40's with no health issues, the only time we do to the dr is for our yearly check up, so basically once a year for screenings etc.
The only thing that worries me would be prescription drugs...husband takes 1 maintenance drug .
I have zero prescriptions.
would we have to pay 100% for them...with current plan we pay $55.00 for a 3 month supply
We are just not too sure what to do, just keep the traditional plan, or switch to HSA???
a friend of mine did say HSA was taking a chance with your health care ???????? that made me worried.
thanks for any insight / information.