Time for annual medical enrollment. Planning for a baby next year . Is a HSA recommended ? What’s your experience

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You should be maxing out HSA as a retirement vehicle already. Not using it for medical expenses. Triple tax advantage. 

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Same question. I think all the early childhood appointments are covered as “preventative” thanks to Obamacare even with an HSA plan. As such was planning to keep the HSA even with the kid but curious as to others suggestions.

The vast majority of PPO insurance always covered routine appointments 100% as preventative. As they do for adults as well. It is cheaper for the insurance company to make sure you keep up with your health, then to pay for you to catch up with it later. 

At PwC, the normally advice is to get our high deductible plan and then max HSA.

You’ll obviously have a lot of expenses. And you may want to use the HSA funds for that now, depending on your income.

Get the hsa, max it out. I got you never have to use it, but little guy had pneumonia a little after 1 and spent several weeks in the hospital. Thank God we had hsa for the out of pocket max.

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Still silly, LitG!

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