Just Politics

[dukeb]

HSA eligible health plans mean that the Feds have determined that your deductible is so high that you should have another means to cover those out of pocket costs. So make a deductible contribution to an HSA. Sounds fair.

But did you know that there is a point where the out of pocket is so high that the plan becomes INELIGIBLE for an HSA?

That happened to me this year. I received a notice from Blue Cross/Blue Shield that my Bronze plan, for which I pay over $ 600 each month, will have a slight increase in premium and the max out of pocket is going up by several hundred dollars per year. At that point my plan is ABOVE the LIMIT for HSA eligibility.

So now I can't make HSA contributions. My other option is to upgrade to a Silver plan, which will lower my out of pocket and make me HSA eligible again, but then the monthly premium will go up by around $250 per month.

The crazy system is just crazy.