My wife has a HDHP and an HSA, we have a few questions about whether it will be worth it to continue using this.
Currently the money is in a cash account, not invested, we recently found the fund options, which are not great... GRMAX is the best.
If I currently have a HMO/PPO and can add her during open enrollment, and the copay could be $5-25, and per paycheck contribution either 131 or 215 is it worth it keep her on the HDHP?
What if in the future, she no longer has the HDHP and has unused contributions and investment, can it be rolled over, used anyway?
In the next 12 months we plan on getting pregnant. HMO/PPO should be cheaper for pregnancy and child healthcare?
Can she add me to her plan?
I do not care so much about deferring more to pretax accounts, already deferring 50k/y. I care more about quality of coverage and out of pocket expenses. We are currently working on the math for total cost of adding either of us to either plan.
Thanks for you help!