Healthy People Should Use HSAs
April 22nd, 2009 by autoPiloting
One of the things that drives many people crazy is that they have to have health insurance. They know that it’s important in case they ever get sick because medical bills are so costly but the health insurance seems like a waste of money for someone who almost never gets sick. One great option to consider is to use a health savings account instead of a health insurance plan.
The health savings account is a way that you can set aside money for health insurance coverage when you need it. It’s a structured method of savings that allows you to make sure that you’re covered when you do need medical insurance but that you’re not paying through the nose for it if you don’t get sick often. You get tax breaks for having this account so you see a lot of different kinds of savings from it.
Florida health insurance is a great example of health insurance that has a good HSA option. Health insurance in FL can be pricey but the HSA plan is almost always affordable for people who aren’t going to be going to the doctor often. You can get this type of health insurance in Miami as well as throughout the rest of the state. It’s something healthy people should consider as a smart way to save money without compromising health coverage.
This entry was posted on Wednesday, April 22nd, 2009 at 5:22 pm and is filed under Health. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
May 1st, 2009 at 9:25 pm
This seems like a wise move for those that are relatively healthy. Personally, I have been to the doctor once in the last two years. This wouldn’t be a very good option for me. However, if I had a family or was dealing with the public more often, it might still have value.
May 6th, 2009 at 12:48 pm
One option that people should be aware of is that any money that you put into an HSA is lost at the end of the year. As such, you may want to use some of that money during the year for preventative doctors screenings etc. It is still a great plan however.
May 6th, 2009 at 12:50 pm
Anything that can save you money on taxes is great. However, this is one case that if you can get health insurance, you may be better off. A lot of it depends on how cheaply you can get insurance.