Originally Posted by
The Juice
HRA keeps carrying over too. So after a few years I have enough banked to cover the deductible and max out of pocket. So basically it covers you 100% for a catastrophic event.
Which lets be honest, is the main reason for health insurance.
huh? If you HRA balance covers your deductible AND your max out of pocket that means you don't pay for ANYTHING. I have the HRA plan with a balance of $2000. ($1000 per year for 2 years). My deductible is already met ($1500). If I go to to the doctor for anything im not out of pocket anything. the deductible is already met. Im single and pay $15 a paycheck for insurance where spirit puts in $1000 a year, and my deductible is $1500.. and y'all are calling that bad? this is insanely good insurance.. my max out our pocket in net work is $2500 and i already have a balance of $2000... on January 1st.. Ill have $3000... i have ZERO complaints about our insurance