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0 pointsbix62d ago0 comments

You think regular Americans have the money to afford high deductible plans? One ER visit bankrupts people.

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High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution.

The difference being that if you don’t need to use your HSA in a year you keep it - unlike low deductible plans.

bix6OP2d ago

Ah yes because the family making $40k/year can afford $10k in medical expenses.

raw_anon_11112d ago

In my experience the cost of a low deductible health plan is more expensive than a high deductible health plan + equivalent amount of a pre tax HSA.

I have never known a health care provider that you can’t negotiate a payment plan with. Even if your HSA isn’t funded, they could probably have a payment plan = HSA monthly contribution and then take it out of the HSA.

Yes I understand that a lot of people making $40K would be deftly afraid of doing that. But they would still statistically come out ahead

jmye1d ago

A family making 40k a year qualifies for significant benefits and subsidies, even today. But don't let not knowing what you're talking about stop you from angrily talking about it.

j / k navigate · click thread line to collapse

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raw_anon_11112d ago

High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution.

The difference being that if you don’t need to use your HSA in a year you keep it - unlike low deductible plans.

bix6OP2d ago

Ah yes because the family making $40k/year can afford $10k in medical expenses.

raw_anon_11112d ago

In my experience the cost of a low deductible health plan is more expensive than a high deductible health plan + equivalent amount of a pre tax HSA.

Yes I understand that a lot of people making $40K would be deftly afraid of doing that. But they would still statistically come out ahead

jmye1d ago

A family making 40k a year qualifies for significant benefits and subsidies, even today. But don't let not knowing what you're talking about stop you from angrily talking about it.

j / k navigate · click thread line to collapse