Originally Posted by
coder
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.