Post #60434 by Lambo on the US Policy board

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It's a gamble--you have to choose your high deductible insurance without necessarily knowing what expenses are going to come up in the next year, and when.

Yes, I had an HSA for a few years, then wondered why I was doing it. :) I had good insurance and had minor copays. One of the fellows I worked with was happy with his HSA so I tried it. Years later, I talked with him and it seemed he had lost his low rent place and was dropping his medical care to be able to rent. Then years after that he had become diabetic and was living to be able to pay for his medicine. I remember when he dropped his medicine because it was too expensive and later lost a leg. Then he died very early by not having diabetic medicine. I remember regretting not getting interested and helping him with his problems if I could not get too involved.

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