[Erica]

Legally, there are limits on double coverage while taking advantage of an HSA, so please confirm you’re not violating any.

I’m curious that you’d be fine committing to an extra premium, but hesitant to spend in the event of an emergency?

I love our HDHP because the premium commitment is low, so I only pay out if we need it and that’s what the savings is for.

We have a separate line item in our budget for basic medical and only use the HSA for bigger things.

[Bill]

If the choices are pay $400 vs skip important medical care, then pay $400.

If you are open to other options, spend the money on some therapy sessions to help get your relationship with money in a healthier spot.

If you are struggling with spending in this sort of extreme situation, it’s undoubtedly impacting other parts of your life as well.

[Trevis]

Make sure that your US insurance covers you internationally, especially if participating in a high risk activity. I suspect that it doesn’t.

Some travel insurance will cover you, but be careful because what they cover and what they don’t takes some detailed investigation.

Also, seriously consider the risk vs benefit of things like emergency rescue vs actual medical treatment.

Setting your broken leg may be a drop in the bucket vs if they have to come and get you with a helicopter. And that part may not be covered.

[Author]

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