I've read a lot of threads, and am still somewhat confused.
My situation: took unplanned ER in mid-Feb (turned down forced relocation across the country), with health care benefits continued til Feb. 28. While I've been planning toward ER for a while (reading this forum, learning about portfolios and low-cost investing, living well below my means, etc) with an eye to 2014 or 2015, I have not done any health insurance research yet.
And now time of of the essence, since COBRA from my former employer is north of $700/month for one person! I need to apply for an individual policy from BCBS-TX in the coming week, so I don't have time for in-depth research.
Healthy, no pre-existing conditions. 55 yrs old. Make very little use of medical services. I'm really not looking to cover routine expenses, but rather to be well protected (against bankruptcy!) in the case of a massive medical expense.
My instinct is to go with a HD/HSA plan (maybe a $5000, deductible, 0% coinsurance) to build a nice little pre-tax medical nest egg, but now I've read the threads about HD plans, HSAs and PPACA and am baffled.
Does it make sense to buy a HD/HSA plan now? Or given that 2014 is looming, should I look at other plans?
Can someone please point me in the right direction for researching this? Or perhaps discuss this question?
Again, my apologies for asking something that has likely been discussed elsewhere, but my unsophisticated use of the search function didn't turn up the answer to this particular question.
ER'd for two weeks ....