Health Savings Accounts Worth the Investment

On the flip side, if you have health problems or are approaching 65, a high deductible plan might not be your best option. Check out this health savings account calculator to see if a high deductible plan coupled with an HSA makes financial sense for you.

If you are interested, contact your benefits department. While there are some banks and state organizations offering HSAs to individuals, for the most part, you'll need to go through your company to get one.

And going forward, providers are likely to choose to automatically package high-deductible insurance plans with HSAs. Cigna and Aetna already sell the combination to companies now.

So it might make sense to consider it. If so, then you'll think twice about visiting your doctor every time your toe hurts.

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