Originally Posted by
tonsterboy5
I don’t expect any of it returned to me, but as you said 10’years ago you had 2 day in the hospital which caused an 8k total bill, if you had the high deductible your max out of pocket would of been $6k assuming that none of the services you received had a negotiated rate. In the 10 years since then you have paid $200 more a month than a decent HSA plan or $24,000, assuming you used the max of $6k you still have spent $18k more than needed on healthcare. That 18k could be collecting interest in an HSA, you could of used it for random things such as Tylenol or NyQuil when you get sick. Not to mention the 600 a month the company has spend on the insurance which is 72k over that same 10 years, just think of the company didn’t have to pay for expensive insurance some of that could of ended up in everyone’s pocket.
Where are you getting $6k max out of pocket on a high deductible HSA? Oh, you're looking at only single rates again.
Most HSA plans I've shopped in the past for my other business has the deductible set at $8k, with Max OOP at $12k for a family of 5. And no Tylenol out of that HSA money - that's a Flex account. Want to drop premium + deductible $12k EVERY YEAR before insurance covers anything - where a ER visit is at full price until then? And save me your "HSA interest rate" BS. Sub 2%, and going down. I saved $20k+ a year in health insurance costs alone on coming here based on our current plan, so arguing for a reduction in locked insurance value (which is the highest rising family cost the last 20 years running) in return for a small hourly rate will get a giant NO from me. If you want an increase in your take home - fight for Live Flica, our Rigs, and a better schedule utilization. Total compensation and payroll value is much more than an hourly rate. Trading a set value in insurance for a guaranteed hourly rate, when insurance is as volatile cost as there is, seems a fools folly to me.