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Questions tagged [healthcare]

For questions related to health care costs and paying for them. A country tag is almost always important to add alongside this tag.

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6
votes
3answers
1k views

What is the rationale behind an FSA being “Use it or Lose it”?

One of the biggest gripes most people have with the Flexible Spending Account is the rule that you must "Use it or Lose it". This can lead to people frantically running around just before their money ...
16
votes
5answers
8k views

Which is better: Employer-sponsored HSA or opening an HSA individually?

So I know that: Employer-sponsored HSA's allow you to deduct contributions directly from your paycheck, pre-tax With individual HSAs, you must contribute using post-tax dollars, then deduct those ...
22
votes
3answers
139k views

If I leave my job, what happens to my flexible spending account?

I am about to decide how much money to set aside for my 2013 Flexible Spending Account (FSA). (The max this year is $2500.) But I am wondering what happens if I switch employers during the year. Does ...
32
votes
5answers
3k views

Pros/Cons of a Health Savings Account (HSA) in the USA?

I am wanting to know the real benefits or pros/cons of a HSA in the USA. I have now been given the option of signing up for one due to healthcare changes. I understand some of the basics, but after ...
7
votes
3answers
733 views

Is it possible to deduct health insurance premiums from taxes?

I currently have health insurance provided by my employer. My monthly premiums are deducted pre-tax from my salary. I'm considering canceling this health coverage in favor of an individual health ...
4
votes
2answers
689 views

Should I pay off my braces all at once so that I can write them off this year as a health expense?

Should I pay off my braces all at once so that I can write them off this year as a health expense? Or should I pay off my braces over the long haul? P.S. I live in Pennsylvania.
4
votes
5answers
324 views

How does a pharmacy discount card work?

There are many companies in the United States that advertise a plan to consumers, promising to lower their costs for prescription drugs. These plans go by several names such as "pharmacy discount ...
71
votes
9answers
10k views

Ballpark salary equivalent today of “healthcare benefits” in the US?

For my friends in the US, when considering positions (this applies to either salary or contract positions) I've heard it's sometimes along the lines of, you can have X with healthcare, or Y with no ...
23
votes
4answers
2k views

Is it worth saving HSA funds until retirement?

I recently discovered that there is no lifetime limit to contributing to an HSA account - provided that you don't contribute more than the limit per year. Assuming that an individual makes a decent ...
6
votes
1answer
706 views

HDHP Part of Year, HSA Max Contribution

What HSA contribution limits exist if a person for a portion of the year had an HDHP plan and for another portion of the year had a co-pay plan? Examples: Jane worked for Company A for four months ...
4
votes
1answer
176 views

Excess HSA Contributions Used For Medical Expenses

I have a potential employer with a strange solution for healthcare. They wish for you to select a HDHP from the marketplace with an HSA then they fund the HSA to pay for the healthcare premiums. I ...
3
votes
2answers
257 views

Canadian moved to US - Hospital charges for ER / ICU visit

Pretty new to US - came down from Canada recently. So, not used to the medical/insurance system here since everything is free up in Canada! My daughter had to go to ER a few weeks ago (in ambulance), ...
16
votes
2answers
12k views

how to deal with involuntary out-of-network charges

A covered family member had to be transferred to another hospital during an emergency medical situation. Both hospitals were in network, but the ambulance that the hospital insisted on using was out ...
10
votes
1answer
319 views

Might it make sense not to look into debt that is in collections?

I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
9
votes
1answer
2k views

Protecting an elderly parent's assets / medicaid look-back

I've been asked by a senior to investigate: What are the things one needs to keep in mind with the issue of an elderly parent with some assets (house + some savings) who may need to enter into a ...
7
votes
2answers
532 views

HSA - Continue to Invest?

I have an HSA that allows me to invest the money in the account in the stock market. Any money not invested is available to be used for health expenses. I currently have ~50% of the total balance of ...
7
votes
1answer
387 views

Can I deduct my individual Health Insurance Premium in Tax

I have a my own LLC and working as self employee for this company. I am working on 1099 for this company. Since there is only 2 employee (including my spouse), I can't take health insurance from my ...
6
votes
1answer
476 views

Do I have to pay a Health Care Tax Penalty for my F-1 spouse?

I'm an H-1B holder married to an F-1 student for the middle of 2016. I have insurance coverage through my employer. My F-1 wife doesn't have health insurance. She only has student insurance covered ...
6
votes
2answers
633 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 ...
4
votes
5answers
3k views

Is this HSA too good to be true?

I am grandfathered into this PPO plan which we have one more year before they get rid of it. I think the HSA plan is better now for me but wanted to check. Is this HSA plan better for me? If I ...
2
votes
2answers
1k views

Is it possible to use an FSA to pay for an individual health plan's premium?

I'm asking a follow-up to my other question... I'm currently enrolled in an FSA for my employer sponsored health plan. I'm considering leaving that health plan in favor of an individual (non-HSA) ...
2
votes
1answer
130 views

Health care billing concerns

Over the past year I had my first experience with health care billing issues other than just paying my monthly bill. Something happened billing-wise recently that concerns me. I'd like to get feedback ...
0
votes
1answer
2k views

How common is “pass-through” health insurance? [closed]

I am doing research about how health insurance works in the United States. I plan to post my findings on my personal web site. I have heard it said that some companies that provide health insurance ...