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HSA's require a high-dectable catastrophic coverage plan.

Oh. But Dope says he pays no insurance premiums.

Anyway, is this how it works?

You (or your employer) max out an HSA at $6,500 and you use that money to pay for doctors visits, etc. Then you buy a high-deductible, say $5,000, catastrophic coverage plan for about $100/mo. with an out-of-pocket limit of $4,000.
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