We have an HSA with Humana... It's GREAT, ONLY IF you don't have medical issues.. If you have medical problems, I don't recommend it!
We went from paying 750 for the 3 of us, to 210 for the 3 of us per month.... HUGE MONTHLY savings!!!!! BUTTTTTTTTTTTT, I started having unknown medical issues and going to a bunch of specialist, and that's where it gets expensive.. We have a 10k deductible (for the 3 of us as a group to meet, not individually)...
Example:
-When I go to the regular doctor, it's 65 per visit (the average person pays about 20 for their copay)
-When my son goes, it's 45....
It's a negotiated rate between the doctor and the insurance company......
BUT when I go for MRI's it gets expensive! The NEGOTIATED rate for mri's is about 650 out of pocket ( I pay them off monthly)
When I go to a specialist, it all depends..... I see a neurologist, it's about 150 after the negotiated rate... I never usually have to pay at the time of my doctor visit.... The doctor bills my insurance company, they agree on a negotiated rate, I receive the "explanation of benefits" in the mail, then the actual bill from the doctor's office.... If the bills are expensive, I ask for monthly payment plans with everyone......
So if you DON'T have health issues, I recommend it!!!! If you DO have health issues, I DON'T recommend it.....
Let me know if you have any other questions!
PS I do know what I'm talking about because my husband managed a health/life insurance company for almost 10 years... When he got out of the business (and the company stopped paying for our insurance, is when we got onto the HSA plan)...
Kids well visits are free, and so is either a yearly pap or mammogram for women.