106 karma · joined September 23, 2009
> If you can do it, get a high deductible insurance plan with an HSA for the years in which you are not having a baby.
this seems like a good strategy. why not just use an HSA exclusively? is it due to risk of complications/cost during pregnancy? or do pregnancy costs likely come close or exceed premiums of a traditional plan anyhow?
> Fyi, COBRA will most likely be more expensive than any plan you can get at the family level.
why is that? my wife is looking to quit soon, and is coming from a fairly large organization. and it seems like the cobra, group-negotiated rates are slightly better than the family rates i'm trying to negotiate on my own. just my own experience.
> That said... if you're starting a family... pregnancy (and RX) are usually (ever?) covered. So you might not have a choice.
HSA's do seem to make sense, but the pregnancy and any potential complications were my main concern. It seemed from initial research that for this scenario, and regular plan seemed like the best option, unless you had a different experience? Perhaps use a typical plan initially, then switch to HSA's later assuming health is ok?
I'd love to hear your feedback as to whether this is going in the right direction, missing some key features, or if the balance between SEO-speak/web terminology/simplicity should be tweaked. I've included explanations and links in the analysis where I thought it would be helpful, but I'm unsure of the right balance. Thanks for your thoughts!