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3
votes
1answer
36 views

Can I pay past expenses using an FSA opened midyear?

In my old job I had a HDHP and HSA. Midyear, I started a new job and switched to a standard insurance plan and an FSA. Can I submit receipts for expenses from January to the FSA that I just opened in ...
5
votes
2answers
611 views

Comparing HDHP vs PPO Plans: Am I missing something?

It's that time of year at work that we're needing to renew our insurance carrier. HR decided to continue the two PPO plans we previously had available, while adding an HDHP + HSA plan. I've compared ...
3
votes
3answers
241 views

I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly?

I had never given a second thought to the details of the bills that my health insurance (HI) company used to send me until I moved to a HSA plan. My typical (before the HSA plan) bill claim would be ...
8
votes
2answers
475 views

Can a US expat have and use an HSA for the tax benefits while living abroad?

I am a US expat living abroad. As some of you may know, I still have to pay US taxes on my foreign income, even though I've been abroad for more than 5 years. That said, I obviously want to minimize ...
10
votes
1answer
5k views

“Out of Pocket Maximum” and health insurance plan terminology & calculation?

I'm trying to understand the terminology on my health plan. I've read numerous websites, which have only confused me more, as they fail to use examples (more than one should be required) for people ...
4
votes
1answer
793 views

If I don't participate in my employer-sponsored FSA, can I open my own HSA?

My employer offers/manages an FSA (Flexible Spending Account) as part of my health care plan. I put in $800 last year and barely managed to use it up, including expenses in the allowed grace period ...
6
votes
2answers
3k views

Can I change banks for my HSA account?

My employer provides a High-deductible health plan with HSA option. One thing I was surprised by was how many fees were associated with the HSA account offered through my employer (the HSA is ...
6
votes
1answer
89 views

HSA without a HDHP [USA]

I had an HSA with an HDHP with a former employeer. I left that company and now have a traditional health insurance plan. Should I continue to contribute to my old HSA account? Are there any tax ...
7
votes
1answer
92 views

Am I elligible to contribute to an HSA plan if my spouse is on Medicare?

I'm a little confused about the IRS qualification rules for an HSA account specifically with respect to Medicare. The eligibility rules state that You must not be currently enrolled in Medicare. So, ...
9
votes
1answer
600 views

Can I use HSA money to pay for family member that isn't covered by an HDHP?

If I'm in an HDHP, but my wife is on a different plan (non-HDHP), can I use money from my HSA to pay for her costs until she reaches her deductible?
8
votes
3answers
183 views

Who could afford a higher annual deductible who couldn't afford a higher monthly payment?

I'm comparing some health insurance plans with Humana, and trying to understand the relationship between the price tiers. For a single HDHP plan, they have these price options: $1,500 Deductible - ...
5
votes
2answers
141 views

What is the relationship between a HDHP and an HSA?

I'm confused about how a HDHP and a HSA relate. I understand that there are tax advantages and the money in an HSA is yours to keep. Like any other health plan, an HSA-compatible plan, the ...