What You Need to Know About a Health Savings Account (HSA)

Everywhere on the Internet, you will easily find the basics on health savings accounts (HSAs) about who is eligible, what the rules are, etc. However, as they say, “the devil is in the details,” both good and bad. Is an HSA right for you? Using an HSA is, in fact, a big pain in the ass. It’s not easy to manage and use it efficiently and a certain amount of administration is required. While financially beneficial, I have to view it as getting paid a decent amount of money to do some low-level administrative work.  Below are the things I … Continue reading What You Need to Know About a Health Savings Account (HSA)

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Changing Jobs? Check the Impact to Your Medical Benefits

Updated as of 2/22/22 If you’re changing jobs, don’t forget to think about how to coordinate your benefits between the two jobs, so that: you’re not without coverage between the two  you maximize your benefits you minimize any forfeits in FSAs you coordinate your HSA contributions and providers (If you’re wanting to compare plans at your new job, check this post on health insurance plan comparison spreadsheets.) Below are the main things that I’ve learned to check during job changes: Fill the insurance gap between jobs If you and your partner are each insured through different employers, then whoever is … Continue reading Changing Jobs? Check the Impact to Your Medical Benefits

Find the Lowest Price for EpiPens

We have food allergies and we need to carry around EpiPens. But we also don’t have spectacular health insurance, so below is a rundown of the options I went through. My takeaway is that if you can’t get an EpiPen or EpiPen alternative for free, you should only pay in the range of $5-low $100s in the U.S. #1 Health Insurance When we had excellent health insurance, I was able to buy a pack of two generic EpiPens for as little as $30. I’ve also seen online that some people have health insurance that can bring the cost down to … Continue reading Find the Lowest Price for EpiPens

5 Tips for Dealing with Health Insurance

I’m still on my health insurance rant. How many ways can the health insurance system screw you? If you’re a health insurance user, chances are you’ve been scammed, duped, or basically not given the coverage that you paid for because the health insurance system in this country has been intentionally/unintentionally designed to make sure that you won’t know how to use it and getting enough reliable information to avoid costly errors is practically impossible. (Help fight this by choosing the most cost-effective health insurance for you with some of these comparison spreadsheets.) Here are five things I’ve learned about when … Continue reading 5 Tips for Dealing with Health Insurance

Health Insurance Plan Comparison Spreadsheets

Updated September 27, 2021 Changing jobs? Open enrollment? Recently, we were choosing between a variety of health insurance plans, including ones with HSA options. Before I thought to look online, I had already made my own comparison spreadsheet, but I guess that’s all well and good because it was a nice, eye-opening experience to think through the ridiculous rules of each of the health insurance plans myself. Even the plan representatives barely understand the rules.  Later on, I found a few different health plans spreadsheets online that I thought were helpful and collected the links below. There are also various … Continue reading Health Insurance Plan Comparison Spreadsheets