thanks! i have talked to a broker, and he pointed out several different options - all somewhat pricey unfortunately. as i expected, he viewed HSA's as a generally inferior option, thought that was a bit unclear why (i recall perhaps something to do about ease of reimbursement/coverage). not sure if that's actually true.
> If you can do it, get a high deductible insurance plan with an HSA for the years in which you are not having a baby.
this seems like a good strategy. why not just use an HSA exclusively? is it due to risk of complications/cost during pregnancy? or do pregnancy costs likely come close or exceed premiums of a traditional plan anyhow?
> Fyi, COBRA will most likely be more expensive than any plan you can get at the family level.
why is that? my wife is looking to quit soon, and is coming from a fairly large organization. and it seems like the cobra, group-negotiated rates are slightly better than the family rates i'm trying to negotiate on my own. just my own experience.
> If you can do it, get a high deductible insurance plan with an HSA for the years in which you are not having a baby.
this seems like a good strategy. why not just use an HSA exclusively? is it due to risk of complications/cost during pregnancy? or do pregnancy costs likely come close or exceed premiums of a traditional plan anyhow?
> Fyi, COBRA will most likely be more expensive than any plan you can get at the family level.
why is that? my wife is looking to quit soon, and is coming from a fairly large organization. and it seems like the cobra, group-negotiated rates are slightly better than the family rates i'm trying to negotiate on my own. just my own experience.