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Anyone have experience with HDHP/HSA's?
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<blockquote data-quote="susiestar" data-source="post: 343577" data-attributes="member: 1233"><p>One thing to consider is that a sick worker is a less productive worker. If people don't go to the doctor because this, they won't be as good at their jobs. Sick days may also go up, which is costly for the employer. Esp for employees with children.</p><p></p><p>If the employer helps fund the deductible this would be an option I would LEAP at. Our plan now almost never has us reaching the deductible BUT all we pay is the copay for docs and drugs. We almost never pay anything for tests, durable medical equipment, etc... So copays don't go to deductible and I haven't figured out what the deductible is for. Because in 6 years everything has been paid. </p><p></p><p>If the employer is not going to fund the deductible at least partially this would impose real hardship on many families. Most employers here will pay the employee premiums, or part of them, and family premiums are not paid for. This means that employees with families are not getting more benefits than single employees. </p><p></p><p>This could be a very useful plan, esp the second and following years after everyone is used to it.</p></blockquote><p></p>
[QUOTE="susiestar, post: 343577, member: 1233"] One thing to consider is that a sick worker is a less productive worker. If people don't go to the doctor because this, they won't be as good at their jobs. Sick days may also go up, which is costly for the employer. Esp for employees with children. If the employer helps fund the deductible this would be an option I would LEAP at. Our plan now almost never has us reaching the deductible BUT all we pay is the copay for docs and drugs. We almost never pay anything for tests, durable medical equipment, etc... So copays don't go to deductible and I haven't figured out what the deductible is for. Because in 6 years everything has been paid. If the employer is not going to fund the deductible at least partially this would impose real hardship on many families. Most employers here will pay the employee premiums, or part of them, and family premiums are not paid for. This means that employees with families are not getting more benefits than single employees. This could be a very useful plan, esp the second and following years after everyone is used to it. [/QUOTE]
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Anyone have experience with HDHP/HSA's?
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