We can’t get into a health share

at least not the ones I’ve looked at, they won’t accept us. We can likely offset some of that 6k in an FSA. My worry with FSAs is that if you don’t use it you lose it. Last year our highest outlay (with DD18 hospitalized twice) and my copay for an ER visit “only” came to about $3000 and that’s if I lump in medications, glasses etc. But that was an unusual year.

I recognize with a 20% patient copay it could be much higher this year…but knock on wood I’m hoping it wouldn’t amount to $6k worth!! (To fund an FSA).

I’m thinking maybe put about $150 a month (1,800 a year) into the FSA. I know we could easily spend $100 a month on meds for DH and DD. Then put $4200 in a “FFEF.”

If I did as Shay suggested and funded it at $500 a month it would take me 8 months to get there but it wouldn’t retard our debt snowball too much. In fact I could take it out of my babysitting money. Or I could fund it all in two months and be done with it.

Sigh. I just don’t know. It’s just a huge amount to possibly be liable for without something In place and it worries me.

I think the deductible sounds low, maybe it’s per person?

I would definitely check on that. Also that premium sounds super cheap for a family. Possibly the employer is paying a portion?

We get our health insurance on our own. Our deductible is $5000/person/year. Then the 70/30 kicks in till we pay out, I think, $2000. Only after that do we get to 100% coverage. Our deductible is high enough that we qualify also for an HSA. We max it out per year. We use the HSA only for high cost things such as in hospital stays, very expensive out patient tests, etc.

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