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Old 12-29-2014, 07:36 AM   #21
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I am on medicare and my wife is 4 years away from being eligible. can she apply for a single plan on half of our income? when I go to healthcare.gov I always put in our combined income and list 2 people. but it does show that her premiums and deductible are higher than a single plan.
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Old 12-29-2014, 08:17 AM   #22
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Quote:
Originally Posted by SCGamecock View Post
For 2015, an HSA eligibile plan must have a deductible between $1300-$6450 for individuals and $2600-$12,900 for family plans. If your ACA cost-sharing subsidies lower your deductible below these amounts, the "silver HSA" becomes a non-HSA eligible plan.

Link: HSAcenter - Health Savings Accounts - Health Care and Savings for You and Your Family
Thanks for pointing that out!

If I were to "find" another $4K in income next year (cash from a 401K) that silver individual plan for DW would now have a $2800 deductable and $2800 MaxOOP. There doesn't seem to be any "sweet spot" where I can bump it to $1300. Such are the sensitivities of the ACA.

I think I will just skip the HSA for her then (mine is still on and the bigger of the two anyway as I can add the $1K catchup).

No need to be greedy...I am already going to be saving about $2K from my employer's (Lockheed Martin) subsidized EMPLOYEE plan, and about $10-14K from their not-so-nice retiree plan.
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Silver HSA Becoming a non-HSA Plan due to ACA Cost-Sharing
Old 12-29-2014, 09:27 AM   #23
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Silver HSA Becoming a non-HSA Plan due to ACA Cost-Sharing

Quote:
Originally Posted by SCGamecock View Post
For 2015, an HSA eligibile plan must have a deductible between $1300-$6450 for individuals and $2600-$12,900 for family plans. If your ACA cost-sharing subsidies lower your deductible below these amounts, the "silver HSA" becomes a non-HSA eligible plan.

Link: HSAcenter - Health Savings Accounts - Health Care and Savings for You and Your Family
I just wanted to publicly thank you very much for this information.

I did not realize this and was in fact hoping to use a silver HSA plan with cost sharing in either 2015 or 2016. This could have cost me some money and a large headache if discovered by the IRS down the road. (Of course, I realize things may change by 2016; but, this is something I will need to at least investigate.)
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