本文发表在 rolia.net 枫下论坛"Premera Blue Cross and Regence Blue Shield both offer pretty good rates for individual coverage. They are the two local Blue Cross/Blue Shield organizations in Washington.

Regence has several plans that offer a high-deductible plan and include a health savings account (HSA). The premiums are not that high, and you can stash some cash in the HSA. It will earn a little bit of interest, but not that much. If you don't use the funds in the HSA for co-payments, etc., you can keep it forever.

You cannot forfeit any cash in an HSA. It's not like a flexible spending account. With the HSA, you keep building a balance and can draw on the funds for any type of health care issue--- co-payments, prescription drugs, etc.

I had a high-deductible plan with the HSA. I now have over $XXXXX in the account. While I no longer have the high-deductible plan, I can still use the money in the HSA for health care issues in the future.

Expect to pay a bare minimum of $2500 per year for decent insurance. There's just no way around it. You can get lower premiums by signing up for a high deductible with the HSA. It's not a bad way to go since all of your contributions to the HSA are tax deductible."更多精彩文章及讨论，请光临枫下论坛 rolia.net