Yeah, right.
Thanks to one employer having a fucking love-fest for HSA-based healthcare, we're screwed.
My wife's employer ONLY offers low deductible HSA insurance plans. We don't WANT those. We want the PPO plan I have. Except we can't have it - since her "premium" is so low, I'm told she HAS to take that plan, I can't even enroll her for secondary coverage on my plan.
And oh yeah, because she HAS to have an HSA, I can't have an Flexible Spending Account, which I've had for many years, and LIKE. Never that she can't have one, I can't have one.
"If you like your insurance you can keep it." Yeah, right.
No troll, this just happened to day. I am so fucking pissed right now.
I might be back to explain more when I'm calmer (and not at work...)
Oh - did I mention my wife has Multiple Sclerosis? Yeah. We don't have the luxury of saving up for health care costs down the road. They're here now. And, no, lifestyle choices have nothing to do with getting MS - unless "being female, white and born in Pennsylvania" counts as a lifestyle choice, all of which are moderately higher trending for MS than otherwise.
Update:
A little more background -- These are both new jobs. My wife changed to hers, I just got a permanent job after several years of contract / "consulting" work.
I'm being told by my employer that if my wife is paying less than $200 / month premium for her health insurance, then she must enroll it, and MAY NOT enroll in the plan here. (I work in Maine, she works in NH, we live in NH).
Now, I can swallow the notion that she must enroll in her plan and take mine as secondary coverage if we choose that; that does make some sense. But to be told that she cannot enroll at all doesn't make any sense, for 1.
And this notion that I can't have the FSA I want AND NEED, because she has an HSA BECAUSE SHE HAS NO OTHER OPTION is fucking outrageous. Sorry for the internet-yelling at y'all but I'm still pissed. I can understand an individual not being able to have both kinds of accounts, and I can understand a restriction that I can't use my FSA funds for her health care. But this whole "No soup for you!" deal is BS. For someone with chronic EXISTING medical conditions, high deductible plans suck rancid syphilitic donkey balls, not to put too fine a point on it.