On Thursday afternoon my DH had set up a meeting with an insurance broker. (Our kids need health insurance, so this was a good thing for him to do.) I was happy he had taken the initiative to set it up, but silently to myself I was thinking "Ugh!".
Long story short the meeting went very well. The broker was knowledgeable and not at all pushy. He thoroughly explained HSAs and high deductable plans. What was really great was the spreadsheet he gave us ranking about 55 different plans by cost. Premium, deductible, maximum OOP etc. A wonderful spreadsheet tool.
I have it narrowed down to two plans both cost about $150/mo to cover both DD and DS. I will purchase through the broker. It doesn't cost us anything to do it that way and he was super helpful.
Afterwards I told my DH he did very well by setting up the meeting.
DH has HSA compatible insurance so we are going to open an account at the credit union we use. It has the lowest account fee at $12/year. I figure we can save at least $12/year in taxes, so why not?
It would have been good for us to have the HSA earlier this year when I got my crown at the dentist and DD her eye glasses - Darn it.
Learning New Things is Good
April 17th, 2013 at 05:06 am
April 17th, 2013 at 11:33 am 1366198390
April 17th, 2013 at 05:02 pm 1366218123
April 18th, 2013 at 02:07 am 1366250859