Josh (Caller)

I have a high deductible plan.

I love the HSA for the obvious reasons.

The reason that I chose it, though, was not because of the HSA, although that's a perk.

I chose it because it really is the best health plan.

If you are healthy, you're kind of in that realm where I do my yearly physical.

I pop in maybe one other time if somebody has the flu.

You're not in and out of the hospital.

You're not doing all of these.

you know, doctor visits.

So basically if you're young and if you're healthy, yeah, high deductible plan is good for you.

If you're a person who knows that you have health concerns or your children have health concerns, then you would benefit from a plan that has a lower deductible, right?

Because you know, you're going to hit that deductible every year.

And so you don't want it to be astronomical, but for somebody, if you are healthy, then that's a great thing because the likelihood of you hitting the deductible is really low, if that makes sense.

So are you young and healthy?

Yeah.

Or if you're planning on your wife being pregnant or something like that, then, yeah, I would go to a lower deductible.

Does that make sense?

All right.

Yeah, that's a good moment to talk about the HSA because we mentioned it and a lot of people maybe don't know what it is or how it can help them.

But I actually really like it.