[quote=bearishgurl]
I HAVE a HDHP but no HSA (I don’t have “wages” to withold an HSA from). I just don’t think it’s right to raise the premiums of a HDHP (which only has a limited 100% “preventative-care” benefit) to exorbitant levels on an individual policyholder who has never tapped into their post-$8,000 ded. hospital benefit. My ins. co. has been doing nothing but making a sizable profit off me for the last few years. I understand the “age-group” pricing but feel like my record alone should speak for MY current premium and not other insureds’ (or soon-to-be-insureds’) records.[/quote]
That’s a high deductible for a HDHP…and I don’t think that you have to have *wages* in order to contribute to an HSA. I’m self employed and although I pay myself a salary, my company pays my HSA contribution every month as part of my medical benefit. Both the premiums and the HSA contribution end up being medical benefits at the end of the year and are a line item deduction.
