Ask HN: small startups, what do you use for health insurance?

Re:Ask HN: small startups, what do you use for health insura... by phallstrom on Saturday December 10, 2011 @03:01PM (#3338345)

$2k/mo seems expensive even for comprehensive plans imho unless you have some conditions that bump it up. We're relatively healthy, two small boys, and opted for catastrophic/HSA option. Then we put the savings from the premiums into the HSA. I've found even with the routine visits for the kids and whatnot we still pay less than we would going with comprehensive. And worse comes to worse our total out of pocket is the same regardless. Point being, if you don't see the doc much, HSA makes sense. One nice thing is that our provider pays 100% of flu shots and routine health checkups which is all I use it for anyway.

That said... if you're starting a family... pregnancy (and RX) are usually (ever?) covered. So you might not have a choice.

As a small business, if it's just you and your wife (and your dependents) you can deduct the premiums though...

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Re:Ask HN: small startups, what do you use for health insura... by javahava on Saturday December 10, 2011 @03:26PM (#3338409)

Thanks for the info - that's helpful.

> That said... if you're starting a family... pregnancy (and RX) are usually (ever?) covered. So you might not have a choice.

HSA's do seem to make sense, but the pregnancy and any potential complications were my main concern. It seemed from initial research that for this scenario, and regular plan seemed like the best option, unless you had a different experience? Perhaps use a typical plan initially, then switch to HSA's later assuming health is ok?

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