I have been contributing to a HSA the last couple years, and it’s been fine. My work contributes $1800 over the year and it hasn’t really been a problem at all.
Now I have a kid and a spouse on my insurance, and they tend to go fairly often it seems. The copay and deductible on the HDHP is a bit crazy and I’m thinking of swapping to a PPO. Is that a good idea, or is turning down the free $1800 from my work a no no?
Here is a link to the plans
Good point, I hadn’t considered rolling over. I’d like to get away from Kaiser, but my HDHP option with Anthem is 20% after the deductible. So I guess it will with be PPO or stick with Kaiser -_-