Comments on: Aetna Study Says CDHC is A-Okay http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/ Health Care Policy and Reform Insights | NCPA Sun, 12 Feb 2012 00:03:44 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Linda Gorman http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59695 Linda Gorman Mon, 12 Apr 2010 15:14:06 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59695 Plans with health savings accounts do roll money over from year to year and because the funds are owned by the individual, they follow him as he changes jobs. Amounts from health reimbursement accounts may also roll over, though that is at the discretion of the employer, and individuals may lose them when they leave an employer because the employer owns that account. Flexible spending accounts are owned by employers and usually expire at year's end. Plans with health savings accounts do roll money over from year to year and because the funds are owned by the individual, they follow him as he changes jobs. Amounts from health reimbursement accounts may also roll over, though that is at the discretion of the employer, and individuals may lose them when they leave an employer because the employer owns that account. Flexible spending accounts are owned by employers and usually expire at year’s end.

]]> By: larry http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59628 larry Sun, 11 Apr 2010 21:55:37 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59628 the only option i have ever been offered, i s a plan where i can put aside a certain amount, tax-free, to pay for expenses. however, any money not used is LOST at the end of the year! why can that money not be rolled over to the next years expenses? i am in a self insured, bc/bs administered plan in nebraska. but that has been the only hsa i have ever been offered at any of the employers i have been with. i would love a catastrophic plan, with the difference between that and what we pay now put into a fund to cover routine care. would save me, and my employer(who pays 60% of premiums). the only option i have ever been offered, i s a plan where i can put aside a certain amount, tax-free, to pay for expenses. however, any money not used is LOST at the end of the year! why can that money not be rolled over to the next years expenses? i am in a self insured, bc/bs administered plan in nebraska. but that has been the only hsa i have ever been offered at any of the employers i have been with. i would love a catastrophic plan, with the difference between that and what we pay now put into a fund to cover routine care. would save me, and my employer(who pays 60% of premiums).

]]> By: Bruce http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59458 Bruce Sat, 10 Apr 2010 11:52:19 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59458 Somebody should put Joe in an HMO and administer some (rationed) mental health care. Somebody should put Joe in an HMO and administer some (rationed) mental health care.

]]> By: Linda Gorman http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59389 Linda Gorman Sat, 10 Apr 2010 03:08:09 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59389 It is indeed unfortunate that reports of actual results from actual experience can cause such psychic upset. It is indeed unfortunate that reports of actual results from actual experience can cause such psychic upset.

]]> By: Joe Stomplain http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59360 Joe Stomplain Fri, 09 Apr 2010 21:41:36 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59360 Complete and utter ****** of the highest order. [edited] Complete and utter ****** of the highest order. [edited]

]]> By: John Goodman http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59342 John Goodman Fri, 09 Apr 2010 19:45:45 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59342 Bart is probably correct. HSAs are more likely to be selected by people who want to manage their own care. BTW, I have never thought HSAs are for everybody. I think some people don't want to make these kinds of decisions for themselves. That's why God invented HMOs. Bart is probably correct. HSAs are more likely to be selected by people who want to manage their own care. BTW, I have never thought HSAs are for everybody. I think some people don’t want to make these kinds of decisions for themselves. That’s why God invented HMOs.

]]> By: Bart Ingles http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59324 Bart Ingles Fri, 09 Apr 2010 18:07:17 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59324 ...Of course, even if the alternate explanation is true, the HSA is a means to reward people for their frugality. …Of course, even if the alternate explanation is true, the HSA is a means to reward people for their frugality.

]]> By: Bart Ingles http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59323 Bart Ingles Fri, 09 Apr 2010 18:04:42 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59323 Just to play devil's advocate, I wonder how much self-selection is present. Is it possible that people who tend to make responsible decisions regarding the use of health care are more likely to want to enroll in an HSA? Not that the incentive to spend carefully isn't present with an HSA-- it obviously is. I'm just not convinced that the strength of the effect can be measured both directly and accurately. Just to play devil’s advocate, I wonder how much self-selection is present. Is it possible that people who tend to make responsible decisions regarding the use of health care are more likely to want to enroll in an HSA?

Not that the incentive to spend carefully isn’t present with an HSA– it obviously is. I’m just not convinced that the strength of the effect can be measured both directly and accurately.

]]> By: Tom Lewellen http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59316 Tom Lewellen Fri, 09 Apr 2010 16:42:05 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59316 Boy does this hit home. HSAs are a blessing for helping our family allocate health costs by need. I would also note that it would be great if insurance companies would rate policies for health behavior. I know I am paying a bigger premium for those folks out there that smoke, eat to much, don't exercise and drink too much. And then pay what I pay. They need an incentive for good health behavior and our government run system doesn't allow for it. A shame. Tom Boy does this hit home. HSAs are a blessing for helping our family allocate health costs by need.

I would also note that it would be great if insurance companies would rate policies for health behavior. I know I am paying a bigger premium for those folks out there that smoke, eat to much, don’t exercise and drink too much. And then pay what I pay. They need an incentive for good health behavior and our government run system doesn’t allow for it.

A shame.

Tom

]]> By: Paul H. http://healthblog.ncpa.org/aetna-study-says-cdhc-is-a-okay/comment-page-1/#comment-59307 Paul H. Fri, 09 Apr 2010 15:29:28 +0000 http://www.john-goodman-blog.com/?p=9965#comment-59307 I think it is fair to say neither President Obama nor the Democrats in Congress have had one good word to say about HSAs. So I agree. It's hard to believe there is any serious interest there in controlling costs. I think it is fair to say neither President Obama nor the Democrats in Congress have had one good word to say about HSAs. So I agree. It’s hard to believe there is any serious interest there in controlling costs.

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