Alternative to Group Health for Owners?

[NWBenefitProvider]

It would take us forever to run the entire scenario and also depend on what age we and annual income we picked in order to see the subsidy amount. Yes, my additional $50 might have been a little low, but again, not impossible.

My prescription numbers are accurate, as I just went through this scenario with a client, so nothing made up there. It's also likely that the ER would not make the entire $3,300 contribution.

I'm a huge fan of HSA's and have been on them personally for the past 10 years and understand the pros and cons. My point to you is that they are not always the right choice even if someone is funding your account for you. I don't want a pissing match and if you can't see that there are times where it is better to pay more for a higher level plan, then we can agree to disagree.

 

[Happy Texan]

Why look at only one year?
Why not look at which policy to choose which might work for the long run?
Assuming large claims every 5 years, an HSA can work very well.
Now, if you look at an individual account which does not earn cash, but does earn paid for benefits at a 35% return- guaranteed - now you are talking!
Don Levit