Thursday, March 10, 2011

Does anyone know of any kind of affordable health insurance?

My husband works independantly and needs health insurance in the Atlanta area.
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If he is self employed and your household income is 90k+ it is nearly impossible to not come out best with an HSA account. You just need to be more concerned with what you have left at the end of the year not the up front cost due to the tax advantages of an HSA plan. People do not realize that copays add 15-30% to your health insurance costs and a 35 copay usually saves you only about $24 in after tax dollars. So consider taht a 300/month health premium is probably paying 45-90/month for a copay that is saving them 25 dollars every time they visit.
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