Sometimes it's the only way to stay in the game

ebay is really stingy with order history

It's never too late. but if the amount truly is low, then yeah, might not be worth the hassle of switching. Might be worth it to calculate the exact dollar amount of what you're paying them and re-evaluate. If it's surprisingly low (or high), at least you'll know. ¯\_(ツ)_/¯

happy new year!

sounds reasonable. hope they're not taking a percentage of your investments though!

Do my monthly update to the net worth spreadsheet and prep to backdoor the IRA limit.

I'm curious what your financial advisor does for you.

They only sell the permanent move list. You can do a 6 month temporary move (and renew it for an additional 6 months) to avoid getting your address sold.

cotton and linen*

God bless you spartan

sure, it's better IF they don't have a single other medical event for the entire year. That's not a bet I would make for $300.

yep. not all HSA/HDHPs are the clear winner.

bingo

for a whopping max benefit of $300/year for an individual

PPO is def your best bet then

source?

it is most certainly not

Ah. Righto! 👍🏼

Yep.

https://reddit.com/comments/yigtqh/comment/iuipz8z

OP has done that. They've already found that the PPO is ~$5k cheaper per year and now they're just trying to square that result with the fact that (for everyone else) the hdhp+HSA is the cheaper option by far AND lets you invest.

But their situation is the exception to the rule because they actually have good coverage at a cheap cost.

It creates a perverse incentive to actively not seek care. It's one of the major reasons I'm switching back to a PPO instead of my HSA.

> p.s. Your HDHP is a "new style", where deductible = OOP max. Many years ago, HDHP deductible used to be at only the legal minimum. At some point, insurance companies increased it to the OOP max, making a HDHP basically a catastrophic insurance.

oh shit! I didn't catch that reviewing OPs post. one more reason for me to hate health insurance.

the biggest marginal benefit of the HSA over extra dollars into your 401k is avoiding FICA taxes on it (7.5%). if you fully max out your HSA for the year, that's $288.75.

Dump the HSA and put the difference into your 401k and be glad you have a kickass PPO option with excellent meds/therapy coverage. (I'm in a similar boat myself where my company funds $0 into my HSA and the difference in premiums is only $200/year)

> That salary is far too high to neglect health insurance. In the US, one needs health insurance or risk this type of financial catastrophe.

yep

this is the way OP. investments are a good plan (follow the flowchart, read the wiki), but make sure your day-to-day financial habits are rock solid. you can't build on your nest egg on an ongoing basis if you don't have money leftover each paycheck to save.

also, I can't no one has said this yet, but money from lawsuits/settlements are taxable. make sure you have enough set aside come April to pay uncle sam.

Are you legally married? If not, only have ONE of you buy the house. Not a week goes by that we don't see a post like this. It's easy to add a person to a deed/mortgage later if/when you get legally married. Removing someone is not.

EDIT: anutha one