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HSA:
*Half the family liability. HSA are one family deductible, PPO plans are two to possibly three members have to meet the OOP.
*Once the deductible is met (assuming 100% coinsurance) all services are free. Not so on PPO plans where office and drug copays always remain.
*HSA account allowing client to purchase stuff tax-free they already purchase like dental, vision, over-the-counter meds, etc...If you have to pay for that stuff anyway, might as well use tax free dollars.
*Yet another way to lower your tax exposure since all the money you put into your account lowers your taxable income.
Ok... on Assurant's family HSA if one family member meets half of the family deductible does the policy begin to pay for that person, or does the full deductible have to be satisfied?