On October 31, 2017 at 00:17, Fins said...
OK, now I follow you. You still have to pay for the HDHP also. You just get to bank the deductible if you don’t spend it.
Yes & No. It's only costing you money if you go to the doctors.
You still get the same buying power with lower negotiated rates.
If you have a unicorn year and don't got to a single doctor, with PPO you're still paid premiums and didn't get to keep anything.
With HSA, every dime you put in the account is yours to keep, invest or spent on Motrin or condoms, tax free going in and coming out. (yeah, I know what I did there :-) )
