Toggle sidebar

OT - NO POLITICS Autumn edition- foliage, cider doughnuts & pumpkin everything.

Status
Not open for further replies.
Bruinaura said:
Now I'm getting nervous about my new (to me) duplex with the enclosed garage with wood paneling and a gas water heater. Maybe I should not back the car in like I want to lol
Click to expand...
My mom backs in but does not remote start the car. No wood paneling but she's got the heater and the tornado shelter in there.
 
NeelyDan said:
Yes please


Also - I have several Mennonite pieces myself and not surprisingly they’re all bulletproof
Click to expand...
Just for you! I am Ace!
1730159590174.jpeg
 
  • Like
  • Love
Reactions: BMC, Ladyfan, RoccoF14 and 1 other person
Gee Wally said:
His Grandma had him over for pumpkin carving. Kenny and her dog Peter.


May be an image of text
Click to expand...
OMG! So precious! I'm glad Halloween here is looking dry because we are under the gun for severe weather tomorrow and then starting Friday through next week it will rain every day. They do trunk or treat here so I don't think there will be a lot of door to door kiddos.
 
  • Like
Reactions: Gee Wally
Bruinaura said:
View attachment 923338

Starts next week here. :surrenderOur medical plan increased by almost 10% but thankfully we're not increasing the employee share of the premium.
Click to expand...
Interested in how much people pay?

I pay $160 Bi-weekly for a family HDHP $6k aggregate deductible, work puts $2k into the HSA, I put in the rest to get to the $8550 max. Premium went up 5% on our end.

This is year 6 on the plan and it has been really good for us. Even with kids going to the Dr all the time and having to pay in full for their appts. The key is to max out the HSA and save on all the taxes (State, Federal, FICA). I have been able to invest the leftover HSA money each year into a Vanguard index fund.

Also, the HSA is a great retirement fund overall.
 
  • Like
Reactions: Bruinaura
Morris Wanchuk said:
Interested in how much people pay?

I pay $160 Bi-weekly for a family HDHP $6k aggregate deductible, work puts $2k into the HSA, I put in the rest to get to the $8550 max. Premium went up 5% on our end.

This is year 6 on the plan and it has been really good for us. Even with kids going to the Dr all the time and having to pay in full for their appts. The key is to max out the HSA and save on all the taxes (State, Federal, FICA). I have been able to invest the leftover HSA money each year into a Vanguard index fund.

Also, the HSA is a great retirement fund overall.
Click to expand...

I work for an insurer so I'm admittedly an outlier here.

I pay $15 a month for a 3k deductible (6k out of pocket limit) plan. That also includes full eye and dental coverage. I have an HSA but company contribution is only $125
 
  • Wow
Reactions: Kate08
Morris Wanchuk said:
Interested in how much people pay?

I pay $160 Bi-weekly for a family HDHP $6k aggregate deductible, work puts $2k into the HSA, I put in the rest to get to the $8550 max. Premium went up 5% on our end.

This is year 6 on the plan and it has been really good for us. Even with kids going to the Dr all the time and having to pay in full for their appts. The key is to max out the HSA and save on all the taxes (State, Federal, FICA). I have been able to invest the leftover HSA money each year into a Vanguard index fund.

Also, the HSA is a great retirement fund overall.
Click to expand...
I haven’t claimed the kids as dependents in 7 years now, since becoming an eligible bachelor. Not sure if i can take advantage of the HSA because of that.

I work for a hospital so my insurance is rather cheap. It just sucks being forced into a specific network. But i got used to it after a while. It’s been working out beautifully for a few years now
 
Paying the same price for benefits and they cut our deductable, out of pocket max and copays on the PPO plan. They did re-work the HDHP plans. Since I do the PPO plan, I pay the most per paycheck.

Since I moved, the PPO saves me the most money in the long run especially with a maxed out FSA. Given the increased testing and medication I now need w/ my A1C, I'll hit my deductable and out of pocket max by May and then the plan has to pay it all at 100%.

The only changes they made were to our life insurance carrier and moving back to delta dental.
 
Morris Wanchuk said:
Interested in how much people pay?

I pay $160 Bi-weekly for a family HDHP $6k aggregate deductible, work puts $2k into the HSA, I put in the rest to get to the $8550 max. Premium went up 5% on our end.

This is year 6 on the plan and it has been really good for us. Even with kids going to the Dr all the time and having to pay in full for their appts. The key is to max out the HSA and save on all the taxes (State, Federal, FICA). I have been able to invest the leftover HSA money each year into a Vanguard index fund.

Also, the HSA is a great retirement fund overall.
Click to expand...
We have a $5k deductible, $6k out of pocket with HSA. Plan pays 80% after deductible until max OOP is met. We only charge $90 per month for single, $200 for employee plus one, $230 for family.

We do a dollar for dollar match on the HSA. Designed so that if they contribute the max we will match per pay period, by the end of the year they will be right at the annual IRS contribution limit.

I hate the high deductible but the HSA with the match is hard to beat.
 
Status
Not open for further replies.

Latest posts

Ad

Upcoming events

Ad

Top Bottom