[meadandale]

[quote=nostradamus][quote=Dougie944]At 65yo that money can be pulled out like a 401k with no medical need.[/quote]
But then it would be taxed.

The beauty of an HSA is it’s deducted from your income going in, and it’s not taxed coming out if you use it for medical expenses. Your account pays for your deductible, so it’s all tax-free. It rolls over every year and keeps growing, and you can invest it anywhere you want (cd’s for example).

“Medical expenses” are loosely defined, here.

I pay less with an HSA and get better service. The “high deductible” costs less than the premiums for regular insurance, the account is tax-free, and rolls over every year. I think it’s the best thing Bush did.[/quote]

I agree. I have one and it has been great so far. I typically just use it for emergency care or high expense items like glasses. If I need to go to the doctor, I pay out of pocket. If he prescribes me something, I really won’t fill it unless it will actually make me better and isn’t just to ameliorate the discomfort.

I’ve found that with an HSA, that I self meter my usage of the doctor–I really won’t go unless it is for either an annual checkup or a serious illness. I won’t go for the sniffles…because I’m paying the bills.

This is one thing that really bothers me about ‘free’ health care. If people don’t pay for it, there is no disincentive to using it even when they don’t need it.

I got to test my insurance company and my plan last year. Went to the ER with chest pains (thinking heart attack). They hospitalized me and ran a bunch of tests. Even did an angio. Turned out that I was fine but the symptoms had them concerned which is why they ran the tests.

$25k hospital bill cost me just my deductible…which I had in my HSA account, and then some. Hate to think what I would have done to come up with the money if I had a regular plan with a similar deductible but no HSA.

[meadandale]

[quote=nostradamus][quote=Dougie944]At 65yo that money can be pulled out like a 401k with no medical need.[/quote]
But then it would be taxed.

The beauty of an HSA is it’s deducted from your income going in, and it’s not taxed coming out if you use it for medical expenses. Your account pays for your deductible, so it’s all tax-free. It rolls over every year and keeps growing, and you can invest it anywhere you want (cd’s for example).

“Medical expenses” are loosely defined, here.

I pay less with an HSA and get better service. The “high deductible” costs less than the premiums for regular insurance, the account is tax-free, and rolls over every year. I think it’s the best thing Bush did.[/quote]

I agree. I have one and it has been great so far. I typically just use it for emergency care or high expense items like glasses. If I need to go to the doctor, I pay out of pocket. If he prescribes me something, I really won’t fill it unless it will actually make me better and isn’t just to ameliorate the discomfort.

I’ve found that with an HSA, that I self meter my usage of the doctor–I really won’t go unless it is for either an annual checkup or a serious illness. I won’t go for the sniffles…because I’m paying the bills.

This is one thing that really bothers me about ‘free’ health care. If people don’t pay for it, there is no disincentive to using it even when they don’t need it.

I got to test my insurance company and my plan last year. Went to the ER with chest pains (thinking heart attack). They hospitalized me and ran a bunch of tests. Even did an angio. Turned out that I was fine but the symptoms had them concerned which is why they ran the tests.

$25k hospital bill cost me just my deductible…which I had in my HSA account, and then some. Hate to think what I would have done to come up with the money if I had a regular plan with a similar deductible but no HSA.

[meadandale]

[quote=nostradamus][quote=Dougie944]At 65yo that money can be pulled out like a 401k with no medical need.[/quote]
But then it would be taxed.

The beauty of an HSA is it’s deducted from your income going in, and it’s not taxed coming out if you use it for medical expenses. Your account pays for your deductible, so it’s all tax-free. It rolls over every year and keeps growing, and you can invest it anywhere you want (cd’s for example).

“Medical expenses” are loosely defined, here.

I pay less with an HSA and get better service. The “high deductible” costs less than the premiums for regular insurance, the account is tax-free, and rolls over every year. I think it’s the best thing Bush did.[/quote]

I agree. I have one and it has been great so far. I typically just use it for emergency care or high expense items like glasses. If I need to go to the doctor, I pay out of pocket. If he prescribes me something, I really won’t fill it unless it will actually make me better and isn’t just to ameliorate the discomfort.

I’ve found that with an HSA, that I self meter my usage of the doctor–I really won’t go unless it is for either an annual checkup or a serious illness. I won’t go for the sniffles…because I’m paying the bills.

This is one thing that really bothers me about ‘free’ health care. If people don’t pay for it, there is no disincentive to using it even when they don’t need it.

I got to test my insurance company and my plan last year. Went to the ER with chest pains (thinking heart attack). They hospitalized me and ran a bunch of tests. Even did an angio. Turned out that I was fine but the symptoms had them concerned which is why they ran the tests.

$25k hospital bill cost me just my deductible…which I had in my HSA account, and then some. Hate to think what I would have done to come up with the money if I had a regular plan with a similar deductible but no HSA.

[meadandale]

[quote=nostradamus][quote=Dougie944]At 65yo that money can be pulled out like a 401k with no medical need.[/quote]
But then it would be taxed.

The beauty of an HSA is it’s deducted from your income going in, and it’s not taxed coming out if you use it for medical expenses. Your account pays for your deductible, so it’s all tax-free. It rolls over every year and keeps growing, and you can invest it anywhere you want (cd’s for example).

“Medical expenses” are loosely defined, here.

I pay less with an HSA and get better service. The “high deductible” costs less than the premiums for regular insurance, the account is tax-free, and rolls over every year. I think it’s the best thing Bush did.[/quote]

I agree. I have one and it has been great so far. I typically just use it for emergency care or high expense items like glasses. If I need to go to the doctor, I pay out of pocket. If he prescribes me something, I really won’t fill it unless it will actually make me better and isn’t just to ameliorate the discomfort.

I’ve found that with an HSA, that I self meter my usage of the doctor–I really won’t go unless it is for either an annual checkup or a serious illness. I won’t go for the sniffles…because I’m paying the bills.

This is one thing that really bothers me about ‘free’ health care. If people don’t pay for it, there is no disincentive to using it even when they don’t need it.

I got to test my insurance company and my plan last year. Went to the ER with chest pains (thinking heart attack). They hospitalized me and ran a bunch of tests. Even did an angio. Turned out that I was fine but the symptoms had them concerned which is why they ran the tests.

$25k hospital bill cost me just my deductible…which I had in my HSA account, and then some. Hate to think what I would have done to come up with the money if I had a regular plan with a similar deductible but no HSA.

[meadandale]

Here you go dave, here’s your new pool of US menial labor…

http://gawker.com/5282504/financial-crisis-forcing-hipsters-to-be-weaned-off-the-parental-teat

[meadandale]

Here you go dave, here’s your new pool of US menial labor…

http://gawker.com/5282504/financial-crisis-forcing-hipsters-to-be-weaned-off-the-parental-teat

[meadandale]

Here you go dave, here’s your new pool of US menial labor…

http://gawker.com/5282504/financial-crisis-forcing-hipsters-to-be-weaned-off-the-parental-teat

[meadandale]

Here you go dave, here’s your new pool of US menial labor…

http://gawker.com/5282504/financial-crisis-forcing-hipsters-to-be-weaned-off-the-parental-teat

[meadandale]

Here you go dave, here’s your new pool of US menial labor…

http://gawker.com/5282504/financial-crisis-forcing-hipsters-to-be-weaned-off-the-parental-teat

[meadandale]

Thanks dave for posting up the same old canards of the pro illegal immigrant movement.

$14 for a head of lettuce? Please..

A head of lettuce is currently under a buck (about $0.65 last time I checked). If it is being picked by $8/hr immigrant labor and half of the cost of the lettuce is labor, let’s raise the wage of lettuce pickers (legal ones) to $24/hr. That’s a 300% increase. How many people do you think would line up to pick lettuce at $24/hr? I’d say a fair amount. And this would raise the cost of a head of lettuce to about $1.50.

Let’s see, when I was in high school, I

1) washed dishes in 3 different restaurants
2) dug trenches
3) worked as a mover

My friends worked in landscaping and as manual labor on farms and ranches. This was on the central coast of CA.

These are all jobs that are done by illegals now.

Why? For many reasons. Much of it is cultural; parents over the last 25 years have instilled a sense of entitlement in their children. Many (most) don’t even work in high school anymore or even college. If they DO work, they won’t do this ‘menial’ work because they’ve been taught it’s ‘beneath’ them by these same parents.

There is no lack of able bodied US citizens to do much of this work that we now consider ‘immigrant’ work…just look at the unemployment. But why would these people work if they can just receive a government check?

[meadandale]

Thanks dave for posting up the same old canards of the pro illegal immigrant movement.

$14 for a head of lettuce? Please..

A head of lettuce is currently under a buck (about $0.65 last time I checked). If it is being picked by $8/hr immigrant labor and half of the cost of the lettuce is labor, let’s raise the wage of lettuce pickers (legal ones) to $24/hr. That’s a 300% increase. How many people do you think would line up to pick lettuce at $24/hr? I’d say a fair amount. And this would raise the cost of a head of lettuce to about $1.50.

Let’s see, when I was in high school, I

1) washed dishes in 3 different restaurants
2) dug trenches
3) worked as a mover

My friends worked in landscaping and as manual labor on farms and ranches. This was on the central coast of CA.

These are all jobs that are done by illegals now.

Why? For many reasons. Much of it is cultural; parents over the last 25 years have instilled a sense of entitlement in their children. Many (most) don’t even work in high school anymore or even college. If they DO work, they won’t do this ‘menial’ work because they’ve been taught it’s ‘beneath’ them by these same parents.

There is no lack of able bodied US citizens to do much of this work that we now consider ‘immigrant’ work…just look at the unemployment. But why would these people work if they can just receive a government check?

[meadandale]

Thanks dave for posting up the same old canards of the pro illegal immigrant movement.

$14 for a head of lettuce? Please..

A head of lettuce is currently under a buck (about $0.65 last time I checked). If it is being picked by $8/hr immigrant labor and half of the cost of the lettuce is labor, let’s raise the wage of lettuce pickers (legal ones) to $24/hr. That’s a 300% increase. How many people do you think would line up to pick lettuce at $24/hr? I’d say a fair amount. And this would raise the cost of a head of lettuce to about $1.50.

Let’s see, when I was in high school, I

1) washed dishes in 3 different restaurants
2) dug trenches
3) worked as a mover

My friends worked in landscaping and as manual labor on farms and ranches. This was on the central coast of CA.

These are all jobs that are done by illegals now.

Why? For many reasons. Much of it is cultural; parents over the last 25 years have instilled a sense of entitlement in their children. Many (most) don’t even work in high school anymore or even college. If they DO work, they won’t do this ‘menial’ work because they’ve been taught it’s ‘beneath’ them by these same parents.

There is no lack of able bodied US citizens to do much of this work that we now consider ‘immigrant’ work…just look at the unemployment. But why would these people work if they can just receive a government check?

[meadandale]

Thanks dave for posting up the same old canards of the pro illegal immigrant movement.

$14 for a head of lettuce? Please..

A head of lettuce is currently under a buck (about $0.65 last time I checked). If it is being picked by $8/hr immigrant labor and half of the cost of the lettuce is labor, let’s raise the wage of lettuce pickers (legal ones) to $24/hr. That’s a 300% increase. How many people do you think would line up to pick lettuce at $24/hr? I’d say a fair amount. And this would raise the cost of a head of lettuce to about $1.50.

Let’s see, when I was in high school, I

1) washed dishes in 3 different restaurants
2) dug trenches
3) worked as a mover

My friends worked in landscaping and as manual labor on farms and ranches. This was on the central coast of CA.

These are all jobs that are done by illegals now.

Why? For many reasons. Much of it is cultural; parents over the last 25 years have instilled a sense of entitlement in their children. Many (most) don’t even work in high school anymore or even college. If they DO work, they won’t do this ‘menial’ work because they’ve been taught it’s ‘beneath’ them by these same parents.

There is no lack of able bodied US citizens to do much of this work that we now consider ‘immigrant’ work…just look at the unemployment. But why would these people work if they can just receive a government check?

[meadandale]

Thanks dave for posting up the same old canards of the pro illegal immigrant movement.

$14 for a head of lettuce? Please..

A head of lettuce is currently under a buck (about $0.65 last time I checked). If it is being picked by $8/hr immigrant labor and half of the cost of the lettuce is labor, let’s raise the wage of lettuce pickers (legal ones) to $24/hr. That’s a 300% increase. How many people do you think would line up to pick lettuce at $24/hr? I’d say a fair amount. And this would raise the cost of a head of lettuce to about $1.50.

Let’s see, when I was in high school, I

1) washed dishes in 3 different restaurants
2) dug trenches
3) worked as a mover

My friends worked in landscaping and as manual labor on farms and ranches. This was on the central coast of CA.

These are all jobs that are done by illegals now.

Why? For many reasons. Much of it is cultural; parents over the last 25 years have instilled a sense of entitlement in their children. Many (most) don’t even work in high school anymore or even college. If they DO work, they won’t do this ‘menial’ work because they’ve been taught it’s ‘beneath’ them by these same parents.

There is no lack of able bodied US citizens to do much of this work that we now consider ‘immigrant’ work…just look at the unemployment. But why would these people work if they can just receive a government check?

[meadandale]

[quote=Rt.66]
I think we should handle this with trade.,,I see trade as the only answer, we need to keep more money here and we need to stop jobs heading over-seas. [/quote]

One could argue that if you are going to impose trade restrictions to save US jobs that you ought to also save US jobs for US citizens and not illegal ‘squatters’.

[quote=Rt.66]
We are finding out what happens when you ship your moeny and jobs to other countries right now
[/quote]

Do you know how much money illegal immigrants send back home? They aren’t spending all that money HERE, it is being spent back in Mexico…So much for all the illegal immigrants ‘helping’ our economy.

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