I received my certificate for health insurance today!
My plan is with Golden Rule/United HealthCare's HSA 100 Plan. My premiums for baby CJ and I are $244.43 per month:
a) $216.43 for actual premium
b) $3.00 per month FACT membership dues
c) Govt mandated $25.00 per month contribution to the HSA
All contributions to the HSA are tax deductible when paid by the insured and not the insured's employer. Interest is paid (4.00% APR) and is tax free for qualified medical expenses. Our deductible is $3650.00, so $3650.00 is allowed in the HSA per calendar year....and quite a help towards any future medical emergencies that could send one into bankruptcy. Also with an HSA, all balances in the account are carried over. You lose nothing!
Because the deductible is so high, Golden Rule/ United HealthCare has contracts out with physician in their FACT network. When a member of this plan needs medical attention, the physicians and hospitals within the FACT contract give the insured a VERY affordable rate for services. A doctor visit can cost a mere $15-20!