duckcalldan
Dryer sheet aficionado
- Joined
- Jan 18, 2016
- Messages
- 41
I will be ERing next February and will be going on the exchange for myself and my family (we're 53 & 50, girls 19 and 16). We are all in good health and are eyeing a bronze plan. We will be under 400% FPL but too high for a cost saving silver plan. Here's my question: all things being equal, should I put a HDHP with HSA at the top of my list above a non-HSA compliant bronze plan? Premiums are about the same (about $600 monthly after tax credit) but the deductibility feature of an HSA would give us a bigger credit. Or it would enable a larger Roth conversion without losing the existing credit. There is only one carrier out of 3 offering HSA-compliant plans, but we're ok with their network choices.
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