Everyone who's getting cheaper health insurance will have spare cash compared to now. For example, I'm currently paying $1450/mo with a $13K family deductible. Lower that to $1000/mo and I've got $450/mo to throw into my HSA.
Why would they replace it with something else when the old system wasn't broken? Hospitals work great for folks who have money, a job and insurance. If you have a pre-existing condition or don't have the cash, you go to the ER. works great. No problem so no need to be working on a fix. It's the same with regulating the financial sector. There was no problem with it, so why regulate it. Let the market forces work properly and everything will be fine. People just don't understand.
Good for you. Mine was through anthem, and they were assholes. Denied everything, even after hitting family deductible (6k), much time spent on the phone for every claim. They acted butthurt that I couldn't afford they're hmo after another $100/month price jump(4 years, effectively doubling premiums from 4 years prior). And let's not leave out this little tidbitI love my HSA. I get lower tax liability due to the pre-tax contributions to the account, I have money specifically set away for health care needs that can stay there earning interest (also tax free) until I need it, or until I die and it transfers to my kids, and my premium on the companion health care plan is very low compared to most other options but still covers everything I need, including 100% preventative care, with a deductible for bigger procedures that isn't much higher than significantly more expensive non-HSA plans.
If yours sucked, then you had a bad plan.
I've heard plenty of stories about Anthem, so yours probably did suck. That's too bad, but that's a problem with Anthem, and not necessarily with an HSA.Good for you. Mine was through anthem, and they were assholes. Denied everything, even after hitting family deductible (6k). They acted butthurt that I couldn't afford they're hmo after another $100/month price jump(4 years, effectively doubling premiums from 4 years prior). And let's not leave out this little tidbit
http://money.cnn.com/2015/02/04/technology/anthem-insurance-hack-data-security/index.html
I think that HSA'S aren't a terrible idea, but in effect it's a pay to play scenario. If you can't afford to put into it, still screwed either way.
And then, even if you can afford to, if you can't put enough in to cover the deductible plus some, the you'll never be able to save for future costs, and just breaking even defeats the purpose behind it.
Let's not mention they already go beyond that. I know my company uses one insurer and all the seperate states just forward on the claims to the one state they pay the claims from.Republicans have been saying that selling insurance across state lines is the answer for years but they haven't seemed to notice that you can ALREADY sell across state lines. Companies don't do it because the cost of building provider networks is too high. It has nothing to do with imagined legal barriers.
Rand Paul's plan is indicative of someone who has put next to no thought into how it would actually work. It's another fantasy piece.
Like I said, I don't think it's a terrible idea, family to family situations can vary so much, it's really difficult to tell how it's going to work out for everyone.I've heard plenty of stories about Anthem, so yours probably did suck. That's too bad, but that's a problem with Anthem, and not necessarily with an HSA.
My current plan consists of putting enough in to cover the deductibles for everything, including dental and vision needs. If I use it, great. If not, even better since it will accrue interest. And even if I only just break even, I still save a significant chunk on taxes that I don't have to pay because I deposit just enough to go along with other deductions to lower my tax bracket.
Let's not mention they already go beyond that. I know my company uses one insurer and all the seperate states just forward on the claims to the one state they pay the claims from.
Insurance should be allowed across state lines. However anyone who thinks that will lower premiums in any significant way is kidding themselves.
FYGM to be precise. It's his motto.
You don't care about me when you took my money to pay for your medical care so I don't give a fvck if you live or die now that you have it. And honestly I'd prefer "die" since it would be one less dollar you'd be taking going forward.
You don't care about me when you took my money to pay for your medical care so I don't give a fvck if you live or die now that you have it. And honestly I'd prefer "die" since it would be one less dollar you'd be taking going forward.
Yeah, do that then get drug into court over an unpaid medical bill.Why would they replace it with something else when the old system wasn't broken? Hospitals work great for folks who have money, a job and insurance. If you have a pre-existing condition or don't have the cash, you go to the ER. works great. No problem so no need to be working on a fix. It's the same with regulating the financial sector. There was no problem with it, so why regulate it. Let the market forces work properly and everything will be fine. People just don't understand.
Yes, I'm sure he's never driven on a public road or used the education system at all.So you have never taken anything from other taxpayers?
You don't care about me when you took my money to pay for your medical care so I don't give a fvck if you live or die now that you have it. And honestly I'd prefer "die" since it would be one less dollar you'd be taking going forward.
You don't care about me when you took my money to pay for your medical care so I don't give a fvck if you live or die now that you have it. And honestly I'd prefer "die" since it would be one less dollar you'd be taking going forward.
You don't care about me when you took my money to pay for your medical care so I don't give a fvck if you live or die now that you have it. And honestly I'd prefer "die" since it would be one less dollar you'd be taking going forward.
So you have never taken anything from other taxpayers?