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Originally Posted by sweeps
It's open enrollment time at work again and I'm strongly considering the high-deductible plan for the first time. My employer keeps raising the premiums and the co-pays on the standard plan. Meanwhile they keep sweetening the deal on the HDHP/HSA.
It's a bit of a gamble because if we have to go to the doctor a lot (or especially the hospital) I could end up losing a bit. But the upside if we don't use a lot of healthcare is huge. Plus being able to invest the HSA funds is a bonus.
Anyone opting for their HDHP instead of their standard health plan?
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Usually, your lower payment will cover your doctor visits. If your healthy, you may even save money, in the HSA, for later retirement medical costs. Only you know your family medical needs, but for healthy families, they are the way to go if it can lower your payment enough.