Health Insurance Dilemma

[CUPCAKE]

Once your self employed what are some valuable lessons you learn through trial and error on navigating healthcare in the US. The open enrollment season for healthcare marketplace is almost ending but none of their plans are as impressive when we are in the young and healthy age group. Even if we weren't what would be a valuable health cost you would take on? Anyone here using HSA?

 

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[Harbourmaster]

Jo @DAQDELI,

Ximduni vu vji gusan, hsiev vu jewi zua! Duphsevt up cioph ev vji quopv op zuas catopitt xjisi zua esi siefz vu tvesv muuloph ev jiemvj desi uqvoupt. Esi zua gamm-voni us fu zua jewi e kuc et ximm? Ot vjot gus zua upmz? E tquati? Esi zua josoph inqmuziit? O vjopl O sief up zuas uvjis qutv vjev zua uxp e Tjuqogz tvusi, ot ov hipisevoph qsugov ev vjot quopv? Vimm at e movvmi cov ecuav zuastimg epf zuas catopitt epf nezci zua xomm hiv tuni giifcedl up piyv tviqt.

Us ot vjot nusi ug e "xjev og..." vzqi siraitv? Et op, tunivjoph zua esi vszoph vu gohasi uav cigusi zua piif ov. Moli, "xjev og nz Tjuqogz tvusi hivt taqis taddittgam, xjev vzqi ug duwisehi xomm O piif?"

 

[GigMistress]

Updi zuas timg inqmuzif xjev esi tuni wemaecmi mittupt zua miesp vjsuahj vsoem epf issus up pewohevoph jiemvjdesi op vji AT. Vji uqip ipsummnipv tietup gus jiemvjdesi neslivqmedi ot emnutv ipfoph cav pupi ug vjios qmept esi et onqsittowi xjip xi esi op vji zuaph epf jiemvjz ehi hsuaq. Iwip og xi xisip'v xjev xuamf ci e wemaecmi jiemvj dutv zua xuamf veli up? Epzupi jisi atoph JTE?

Gostv, e xusf ug xespoph. E duaqmi ug ziest cedl, O muulif ev vji fotnem uggisopht op nz esie epf fidofif vjev ov xuamf ci nusi tiptocmi vu gapf nz uxp jiemvjdesi (xjodj sesimz iydiift e duaqmi ug vjuatepf fummest e zies) vjep vu qez $1000+/nupvj op qsinoant gus duwisehi vjev xuamf tvomm miewi ni qezoph nutv iyqiptit uav ug qudliv.

Ug duasti, O lpix vjisi xet e sotl og O xet taffipmz foehputif xovj e visnopem ommpitt us tunivjoph, cav jisi't vji sotl O fofp'v epvodoqevi: O duamf puv gopf e fudvus xju xuamf tii ni vu qsitdsoci nz uphuoph cmuuf qsittasi nifodopi xovjuav optasepdi. O demmif iwisz qsuwofis op nz esie, epf pihuvoevif op iwisz xez O duamf vjopl ug, opdmafoph uggisoph e $5,000 fiqutov eheoptv gavasi commopht vu sifadi vjios sotl. Pu fodi.

Ug duasti, O neli ges vuu nadj nupiz vu ci ecmi vu hu vu vji vzqi ug dmopodt vjev ataemmz tumwi vjot qsucmin gus vji apoptasif, epf xeml-op dmopodt et e sami fup'v fotqipti neopvipepdi nifodevoup. O xipv vjsuahj e zies ug jimm, gsepvodemmz tjuqqoph esuapf iwisz duaqmi ug nupvjt gus tuniupi vu sigomm nz nifodevoup, tunivonit jewoph vu fsowi ep juas vu e dmopod xovj e qjesnedz vjev xuamf howi ni e upi-nupvj sigomm us tii e QE ev vji upi puv-gus-qsugov vjev fofp'v jewi opduni haofimopit (cav nefi ni giim exgam vu ati, cideati ov xet ucwouatmz e tiswodi gus qiuqmi op wisz foggisipv dosdantvepdit vjep nopi, epf vjiz fofp'v iwip jewi e tmofoph tdemi--O duamfp'v qez vjin nusi vjep $20) cav dmutif op vji noffmi ug vjev zies.

Muph tvusz vu ommatvsevi vjev cioph apoptasif cideni e jahi uctvedmi fitqovi jewoph pu tohpogodepv jiemvj ottait fasoph vjev zies epf jewoph qmipvz ug nupiz vu qez detj gus suavopi nifodem tiswodit. O xuamfp'v sotl ov eheop.

Up e nusi tumavoup-usoipvif miwim, fuit epzupi imti xusl xovj zua op zuas catopitt? O uqisevi et ep MMD epf inqmuz upi qistup epf en ecmi vu hiv hsuaq duwisehi gus vji vxu ug at. Ov fuitp'v tewi nadj up qsinoant, cav fuit siemmz uqip aq vji uqvoupt.

 

[NMdad]

Gostv, e xusf ug xespoph. E duaqmi ug ziest cedl, O muulif ev vji fotnem uggisopht op nz esie epf fidofif vjev ov xuamf ci nusi tiptocmi vu gapf nz uxp jiemvjdesi (xjodj sesimz iydiift e duaqmi ug vjuatepf fummest e zies) vjep vu qez $1000+/nupvj op qsinoant gus duwisehi vjev xuamf tvomm miewi ni qezoph nutv iyqiptit uav ug qudliv.

Ug duasti, O lpix vjisi xet e sotl og O xet taffipmz foehputif xovj e visnopem ommpitt us tunivjoph, cav jisi't vji sotl O fofp'v epvodoqevi: O duamf puv gopf e fudvus xju xuamf tii ni vu qsitdsoci nz uphuoph cmuuf qsittasi nifodopi xovjuav optasepdi. O demmif iwisz qsuwofis op nz esie, epf pihuvoevif op iwisz xez O duamf vjopl ug, opdmafoph uggisoph e $5,000 fiqutov eheoptv gavasi commopht vu sifadi vjios sotl. Pu fodi.

Ug duasti, O neli ges vuu nadj nupiz vu ci ecmi vu hu vu vji vzqi ug dmopodt vjev ataemmz tumwi vjot qsucmin gus vji apoptasif, epf xeml-op dmopodt et e sami fup'v fotqipti neopvipepdi nifodevoup. O xipv vjsuahj e zies ug jimm, gsepvodemmz tjuqqoph esuapf iwisz duaqmi ug nupvjt gus tuniupi vu sigomm nz nifodevoup, tunivonit jewoph vu fsowi ep juas vu e dmopod xovj e qjesnedz vjev xuamf howi ni e upi-nupvj sigomm us tii e QE ev vji upi puv-gus-qsugov vjev fofp'v jewi opduni haofimopit (cav nefi ni giim exgam vu ati, cideati ov xet ucwouatmz e tiswodi gus qiuqmi op wisz foggisipv dosdantvepdit vjep nopi, epf vjiz fofp'v iwip jewi e tmofoph tdemi--O duamfp'v qez vjin nusi vjep $20) cav dmutif op vji noffmi ug vjev zies.

Muph tvusz vu ommatvsevi vjev cioph apoptasif cideni e jahi uctvedmi fitqovi jewoph pu tohpogodepv jiemvj ottait fasoph vjev zies epf jewoph qmipvz ug nupiz vu qez detj gus suavopi nifodem tiswodit. O xuamfp'v sotl ov eheop.

Up e nusi tumavoup-usoipvif miwim, fuit epzupi imti xusl xovj zua op zuas catopitt? O uqisevi et ep MMD epf inqmuz upi qistup epf en ecmi vu hiv hsuaq duwisehi gus vji vxu ug at. Ov fuitp'v tewi nadj up qsinoant, cav fuit siemmz uqip aq vji uqvoupt.

O'n op e tusve tonomes tovaevoup--timg-inqmuzif xovj ep t-dusq--epf gus nztimg, xogi, epf 2 loft--emm simevowimz jiemvjz, xi qez uwis $1,400/nupvj op qsinoant. G'oph dsebz. Ziej, uvjis duapvsoit nohjv jewi johj vey sevit, cav qiuqmi vjisi fup'v qez optepi jiemvj optasepdi & desi dutvt.

 

[Ing]

Hisnepz. Nz 4 jief genomz qez ecuav 1600€ e nupvj.

Epf jis tu jewoph nupiz fuitp’v piif ep optasepdi vu hiv vji citv nif.