Quote:
Originally Posted by disneysteve
I've wanted to switch for a couple of years now, but the insurance industry in NJ is so screwed up. Premiums for the HDHP plans were same or more than for traditional plans so it made no sense at all. I'm hoping that next time around, that will have been corrected. I'd love to get an HSA and be able to pay stuff with pre-tax money. It would save a lot.
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Our HDHP plan would have been terrible last year Steve - why the whole thing was kind of lost me. So I was really surprised when our insurer really revamped it this year. We are coming out way ahead this year (after years of wondering how the heck we could afford another insurance increase - our premiums had been going up 15% - 40% every year).
I would be optimistic that they will get better, for you. Maybe give it a year or 2.
The HSA rules have gotten a lot better in recent years too. Our family deductible is $3k and qualifies as a HDHP. I think in years past we would have had to have a $6k deductible to qualify as a HDHP and be able to use a HSA. So it is improving all around. A $3k deductible is much easier to stomach.