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Old 04-27-2008, 11:27 AM
sweeps sweeps is offline
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Definitely if you don't have kids and are in good health, it's a slam dunk. That's not my scenario.

Since I do have young kids and you have the inevitable doctor visits, it's not so easy. There are a lot of factors to take into consideration. Rounding off the numbers, if I go with the standard health plan, I will spend $4000 on premiums alone. With the HDHP, I will spend $1000 on premiums (after subtracting how much my employer will put in my HSA). You also have to consider the co-pays you still have to pay with the standard plan.

Am I missing something here? Is there a disadvantage if I put $6,000 in a HDHP/HSA vs. putting $6,000 in a standard plan with a flexible spending account? Both ways are fully tax deductible. But I could potentially end up with money left over in my HSA in the first case.
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