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URL:  http://boards.fool.com/with-high-deductible-health-insurance-and-30322245.aspx

Subject:  Re: Work Offering HSA Date:  10/16/2012  10:24 AM
Author:  TMFPMarti Number:  116799 of 121144

with high deductible health insurance, and putting the family deductible in the HSA. The premiums are even lower than the more traditional health insurance we have now. It seems like a no brainer, having struggled every year to spend our FSA before losing it. Are there any negative tax issues that should be understood here?

On the tax front, not necessarily a negative, but it's a complex PITA if your eligibility changes during the year because of a change in employment.

I don't know a lot about these plans, but the one thing I can think of to fully research and consider is cash flow. Let's say, for example, that you have a major expense early in the year, before there's enough money in the HSA to pay it. Will you have enough cash to pay it from other funds, and if you do, can you replenish the HSA afterward?

Phil
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