Healthcare Transparency, HDHPs, and HSAs

Imagine if you went into a grocery store, and there were no prices on anything.  If money were no object you might not care because you would simply pick out whatever you wanted and whatever the price you would simply pay it.
One of the challenges with consumer directed healthcare is the lack of transparency in [...]

Eight Hours Worth of High Deductible Health Insurance Forms

So this friend of mine and I are using the same insurance agent.   She called up the agent and he filled out the forms for her high deductible health plan (hdhp) with her on the telephone.  She is Single and in good health.   It took 50 minutes to complete it and it was done.  She was [...]

Health Savings Accounts, Individual vs. Family Deductible

My family has had our High Deductible Health Plan (HDHP) for just under one year, and last week we discovered that what we believed to be an embedded deductible was nothing of the sort.
When you shop for health insurance you will often see an individual deductible and a family deductible quoted side by side.  In [...]

What is an HSA?

Since that is the name of this blog, and this is the first post, it would stand to reason that the question, “What is an HSA?” be addressed.  But reason doesn’t stand in this case as the answer is too long for this blog, and there are a lot of places you can got to learn [...]