Hacker News Reader

Looked into HSA recently at work but legally you need a high deductible health care plan to be eligible. Looking at the options, just nothing looked good compared to my current $0 deductible/$0 co-pay plan. Hard to know for sure but just seemed like I would be paying a lot more out of pocket every year.

View on HN

Yeah get a high deductible plan as secondary insurance JUST for the HSA

Max out contributions to the HSA

all medical expenses (except for premiums) since the beginning of the hsa account’s existence are eligible for reimbursement, decades later

reading this sparked my interest as it is a great idea but from what I've read if you are covered by a non hdhp you can not do this per IRS publication 969. too bad because that would have been one hell of a loophole and I would have considered starting an astronomically high deductible with ultra low premium secondary insurance company to cater to this market

You have the unicorn health plan it appears

Actually I miss typed and can't edit but I have co-pays and meant to type $0 co-insurance.

Reply on news.ycombinator.com