Have to decide about health care for 2015 and I'm not sure what to do:
I currently have an HSA with about $10k in it. The high-deductible plan is free.
For $75/mo, I can get on my wife's plan, which basically has zero out-of-pocket costs in network.
I'm pretty healthy, but the appeal of a relatively low-cost all-inclusive plan makes me want to get on my wife's plan. Likely it's a pre-tax deduction, which would bring the real monthly cost down to around $45.
I'm not allowed to have both, so I'd lose my ability to contribute to the HSA.
Side question: Which asset class should I put in my HSA brokerage window, given that I have to pay CA tax on it as a regular taxable account? I'm thinking stocks instead of bonds.