{ "media_type": "text", "post_content": "If we have good, free healthcare through spouse’s job (military), is it still worth it to pay for a high deductible plan through my job to get the benefit of an HSA?\n \nFor context, we are a family of three. The cost of the health care plan just for myself would be $20/paycheck every two weeks (or about $520/year). Cost to add husband or child to the plan is over $200/paycheck (so I know that’s not an option). \n\nMy thought is it’s not worth it to pay for the plan, but is there another pt of view?", "post_id": "60fb1bc1b195ad00215f2319", "reply_count": 6, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

If we have good, free healthcare through spouse’s job (military), is it still worth it to pay for a high deductible plan through my job to get the benefit of an HSA? For context, we are a family of three. The cost of the health care plan just for myself would be $20/paycheck every two weeks (or about $520/year). Cost to add husband or child to the plan is over $200/paycheck (so I know that’s not an option). My thought is it’s not worth it to pay for the plan, but is there another pt of view?

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Since your plan is only 20/check, if you have the ability to max your HSA — AND you’re already maxing your Roth, 401 and spouse’s TSP — yes I’d do it.

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Also, husband plans to leave the military in a few years, if that makes any difference. Thanks for any help!

I’m not familiar with military health benefits. Is it free for life through VA?

Then yes I’d do it

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Are you certain that just having a HDHP would make you eligible given you are already covered by a non-HDHP? I didn't think that was the case.

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