Author Topic: Pay extra for an HSA?  (Read 844 times)

frogstomp81

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Pay extra for an HSA?
« on: November 05, 2017, 06:18:17 PM »
I got laid off in June & currently have health insurance through an unsubsidized healthcare.gov plan. My plan is no longer being offered in 2018. My wife is 7 months pregnant and I do not want to have to switch her doctor for the childbirth this close to the due date. The least expensive healthcare.gov plan that includes my wife's ob/gyn is essentially the same price per month as a plan plan through my new employer. My employer's plan is not HSA eligible. Would it ever make sense to pay more (based on deductible/max out of pocket) for an HSA eligible plan in order to have access to an HSA account? I do not believe I will qualify for any subsidies in 2018 due to income.

I'm not really all that experienced with comparing health care options and my employers open enrollment is closing soon.  I attached overviews of each plan for further info.

Any & all thoughts & opinions are appreciated.

MDM

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Re: Pay extra for an HSA?
« Reply #1 on: November 05, 2017, 08:27:50 PM »
Might be worth putting your numbers into a couple of comparison tools, e.g., Health Savings Account (HSA) vs. Traditional Health Plan and the 'HDHP Analysis' tab of the case study spreadsheet to see if there is an "obvious" answer.

frogstomp81

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Re: Pay extra for an HSA?
« Reply #2 on: November 06, 2017, 05:40:36 AM »
I guess I should have figured such a calculator would exist. Thanks MDM!