Whats's your health insurance annual deductible, & annual out of pocket max?

[GunsMadeAmericaFree]

Not hard to find cheap or free HSAs that let you invest in cheap index funds. It seems that most HSAs have this option nowadays.

Fidelity has a fee-free HSA, Old National Bank has an HSA that is fairly cheap if you invest and has access to some Vanguard funds.

However, the big thing for HSAs is if you can contribute directly from your paycheck into a work-sponsored HSA: if this option is open to you, you also get to save on SS taxes.

This option IS available for us, and we went ahead and set up the account for the free $1,000 that my wife's work gives us for it each year. Other than that, though, I've still continued putting the rest of the max for the year into the HSA I set up at our credit union.

Neither of us works a job where we put anything into social security. My wife has PERS, and I have SERS.

 

[dainthomas]

VA - no OOP, no yearly. I do have a copay for meds. Zero monthly.

Edit: Oddly, they won't pay for emergency ambulance rides unless you have a high disability that's service connected. I think it's 70% or more.

I thought it was 60% (what I'm at) but I could be wrong. Don't know what I'd do without the VA though. Between my eye treatments, medications, and various medical devices, if I had regular garbage American coverage I'd be broke as a joke. Plus I'd be fighting insurance and medical supply companies constantly (according to posts I've seen). VA always makes sure I have more than enough.

Also have Tricare prime for my daughter and I (like 35 bucks a month). And I believe the ambulance cost for that is either 80 or 100. So either way not having to pay a ton.

 

[scorpmatt]

declined mine as the options sucked really badly. pretty sure this is just a temp job as I am still actively looking for something better.

 

[bba-tcg]

I thought it was 60% (what I'm at) but I could be wrong. Don't know what I'd do without the VA though. Between my eye treatments, medications, and various medical devices, if I had regular garbage American coverage I'd be broke as a joke. Plus I'd be fighting insurance and medical supply companies constantly (according to posts I've seen). VA always makes sure I have more than enough.

Also have Tricare prime for my daughter and I (like 35 bucks a month). And I believe the ambulance cost for that is either 80 or 100. So either way not having to pay a ton.

I don't have a service connected disability. I did lose my left leg in a motorcycle wreck last May and would've been in a world of hurt if not for the VA.The VA has also fixed all my other ailments. They've covered everything except that ambulance ride. After they refused, I called the ambulance company and when they found out I would have to pay out of pocket, they dropped the bill from $1458 (for a 4 mile ride) to $175.