The prospect is in business, sole proprietor, working with horses. 2 questions here, really. What kind of add on plan would help pay for accidents if the family raises their deductible over $6,000.
Next, should they change to an ACA based plan to save money, given the uncertain future:
Current grandfathered plan for family of 3, parents each age 35, child age 2, $769/month. Has preventive benefits built in, $2,500, I think, with deductible and max out of pocket same. No copay benefits.
Lowest HSA plan $707, but could be reduced $200/month or more depending on income.
Concerns:
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Next, should they change to an ACA based plan to save money, given the uncertain future:
Current grandfathered plan for family of 3, parents each age 35, child age 2, $769/month. Has preventive benefits built in, $2,500, I think, with deductible and max out of pocket same. No copay benefits.
Lowest HSA plan $707, but could be reduced $200/month or more depending on income.
Concerns:
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