Health insurance on the road

westernrvparkowner wrote:
Just an interesting note I have found while watching the World Series and trying to compare the jumbled mess that are the 2016 policy options in Montana. BC/BS has two Bronze plans that are PPOs. As far as I can tell the coverages are identical, the only difference is the cheaper plan has a $200 higher deductible. Well, why would I pay $600 a year more to save a potential $200 which would only happen should I suddenly have some expensive medical problems? Answer: the deductible on the cheaper plan is TOO HIGH for the plan to qualify as HSA (health savings account) eligible. According to the political hype, HSAs were established to allow people save tax deferred for their medical care and use those accounts to pay for ordinary medical expenses and have a high deductible insurance plan as their defense against large medical expenses. So WHY would there be a maximum limit to the amount of a deductible to be eligible for such an account. I know why BC/BS set the deductible $100 over the limit, that's to force me into the higher priced policy without having to offer any additional benefits, making that lower priced policy basically a bait and switch (and yes it does show as the cheapest policy available in Montana on the healthcare.gov website). To call this entire system slimy is an insult to slime.

We have been in the same boat as you. My 10,000 deductible was too high to qualify for HSA status. My wife's policy with 5,000 would qualify and the HSA could be used for all in our family. HSA plans cost more than those that are not! We dropped the HSA plan as these are a scam to the public. Bottom line... there is not any reason that all consumers should be able to have a HSA weather thet have insurance or not!! My take is do not buy a HSA approved ins.plan, you are over paying for it!!!

Brian

P.S. Our new Obama plan took care of this for us.
Sorry about my rant if I offended anyone.