For a long time I did not have health care. I was fresh out of college and was relatively healthy. For me, there was no real need for health insurance. But, a year and a half or so ago I decided that it was in my best interest to sign up for a health care plan.
I spent about two weeks using sites like ehealthinsurance.com comparing literally hundreds of plans with all kinds of different features until I found the one that suited me best.
I selected an HSA from Kaiser Permanente. An HSA (Health Savings Account) is similar to an IRA, but for health care savings rather than for retirement. A person enrolled in a HSA is allowed to contribute up to $3000 tax free each year to their account.
Under Federal law, these HSA’s must be paired with a HDHP (High Deductible Health Plan). For example, my plan has a $1200 deductible, but everything after that is covered 100% by Kaiser.
I love my plan...
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