9y
Thanks for your comments. The high deductible plan in conjunction with an HSA is designed to work well. But you are right, you really need to save in the years that you are healthy so you have the buffer set aside to cover the deductible in the years where you are not so fortunate. Depending upon your life circumstances this can be a challenge, but if early on you are able to save up the amount of your deductible and then continue to do so year after year, it is possible to avoid those moments that create havoc with your budget. We are encouraging everyone to save, save, save, and we are contributing funds to help. Now of course, the system may be changed again with our new administration. "The future ain't what it used to be" (Yogi Berra). Thanks again. Dave Ruff - President