Netto Azure
Kiel
- 9,468
- Posts
- 16
- Years
- Alistel, Vainqueur
- Seen Dec 21, 2023
276
Ah, you get a lot of options with the Feds on which mix or funds to invest in. I just went with the 2050 Retirement Index fund so I don't have to bother thinking about it. Right now I do try to save up 10% but it's split 3 ways. 5% to TSP/401k, ~2% HSA and 3% to a Betterment account. Though I do have a sizable debt load LMAO about $30k so that needs to get paid off
Yeah, I do put in $64 a month on the HSA since there is a $750 contribution to the HSA so the deductible is just $750 if you save up that. Though it is split up on a monthly basis so you're still on the hook if you don't save up early.
Still the nice thing is it has an annual limit of $3.5k which is among the lowest on all the options.
In the end the reasons I went for it was that
1. Still young, I can always switch plans next open enrollment for next year if I need to go to the doctor more. I usually just go for an annual check up and flu shot anyway.
2. I already had a relationship with the Kaiser HMO from my previous employer, and I do like the idea of one stop in house care
3. I already was planning on opening an FSA and putting in $500 so why not just go with the HSA and get that slight interest growth if I don't use it.
4. The premiums are only 75% paid for so I had to debate on how much I actually use it to go for a no deductible plan.
I was really obsessed about all the health plan options the Feds were giving but it was the idea of having to go around and moving my medical information to another doctor provider that tilted to just going with Kaiser Permanente again.
Ah, you get a lot of options with the Feds on which mix or funds to invest in. I just went with the 2050 Retirement Index fund so I don't have to bother thinking about it. Right now I do try to save up 10% but it's split 3 ways. 5% to TSP/401k, ~2% HSA and 3% to a Betterment account. Though I do have a sizable debt load LMAO about $30k so that needs to get paid off
Yeah, I do put in $64 a month on the HSA since there is a $750 contribution to the HSA so the deductible is just $750 if you save up that. Though it is split up on a monthly basis so you're still on the hook if you don't save up early.
Still the nice thing is it has an annual limit of $3.5k which is among the lowest on all the options.
In the end the reasons I went for it was that
1. Still young, I can always switch plans next open enrollment for next year if I need to go to the doctor more. I usually just go for an annual check up and flu shot anyway.
2. I already had a relationship with the Kaiser HMO from my previous employer, and I do like the idea of one stop in house care
3. I already was planning on opening an FSA and putting in $500 so why not just go with the HSA and get that slight interest growth if I don't use it.
4. The premiums are only 75% paid for so I had to debate on how much I actually use it to go for a no deductible plan.
I was really obsessed about all the health plan options the Feds were giving but it was the idea of having to go around and moving my medical information to another doctor provider that tilted to just going with Kaiser Permanente again.
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