Been lurking about 6 months, first post! It took me a month to successfully register, because my 2 primary email addresses kept block the activation emails...
Family of 2 parents (48/51 years old) plus 2 teens in very HCOL Bay Area. We're both self-employed / own business / freelance professionals. Our Kaiser health insurance premiums run $1,740/month, or $20,800 / year, unsubsidized (AGI around $190k in 2017, but less this year.) This was a higher-cost plan, because younger dd has some health issues (mostly I'm anti-risk.) Where did we go wrong? We don't have a HDHP / HSA - yet. Should we?