Question:
We are not low income enough to qualify for government-sponsored insurance plans. What kind of plan is best for us? Are HSAs good for lower income families? I heard that they weren't because the lower your tax bracket, the less benefit you receive from the tax savings. Is it better to pay more for insurance and then have a low deductible? Also consider that we have a young child and want to be able to take her to the doctor regularly without paying the full dr visit fee.
Answer:
Since you don't have insurance through your employer and don't qualify for state aid I would recommend getting a medical discount plan. It will cost you $59.95 a month for your entire family for medical, dental, vision, prescription, and chiropractic services.
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