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Becky and Steve's Journey:
Life Happens
Most of us have health insurance plans that have a very high deductible with an Health Savings Account (HSA). Ours is $4,000 per person or $8,000 per family. Thankfully we have a very healthy family and usually do not need to use much healthcare. If we do, we know that we are going to have to pay the entire bill and that could set us back quite a bit for the month or year. Hence, the health savings plan coming into play. One of the biggest expenses families may face is medical bills. It can be stressful waiting for the bills to start rolling in after a procedure big or small.
One thing we have been dedicated to is putting as much money as we can each month into a HSA. We have built it up to the deductible for one person so that if something should happen, it won’t be a huge drain on our regular savings. The reason I am writing this is because this week, during my yearly mammogram, they found some irregularities that were not there last year and I’ll have to go in for a needle biopsy next week. In the past, I would not only have been a little worried about the diagnosis, but would have been even more worried about how it would affect our finances. Now, because I know there is enough money in our HSA that will cover at least my deductible, I can just focus on my family and me and not our finances through this time.