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Spanky- Give it your current health insurance plan document
- Give it your current and prior years EOBs
- Give it your 2027 health insurance plan documents - one for each options
Have it model your likely costs in 2027 against the various plan options. It can be very smart about how to distribute your costs throughout the year against your deductible and max out of pocket. It can take into account shared vs. individual deductibles and OOP limits. It can take into account HSA deductible-exempt preventative drugs and care. it can model tax savings on HSA contributions.
Choose the one with the predicted lowest cost (premium + out of pocket + tax savings).
I used to do this manually by hand each year. It was very time consuming. ChatGPT got it done in about an hour.
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Heekeejust pick whichever one lets you have an HSA, then max out the HSA ![]()
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Live somewhere that provides near free universal healthcare.
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wrote:
Live somewhere that provides near free universal healthcare.
We don't use that commie shyt here in the USA! We die from conditions that could have been prevented with early treatment, like real men!


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wrote:
Live somewhere that provides near free universal healthcare.

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RockHardConservativeIn Canada they just kill you.
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I’m over 60
I no longer pay income tax
I get free health and hospital
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Spankywrote:
Live somewhere that provides near free universal healthcare.
Correct.
You have to have a degree in actuarial science to figure this shyt out.
I hate this fuqing shythoal.
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death2meHow do Repukes defend this shyte?
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Spanky wrote:
Correct.
You have to have a degree in actuarial science to figure this shyt out.
I hate this fuqing shythoal.
No one is holding you here at gunpoint. You're free to leave for anywhere that is better. Do that. Immediately.
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We’d have Spanky in a heartbeat.
But no Mexicans here.
You’ll need to mow your own lawn.
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Spankywrote:
No one is holding you here at gunpoint. You're free to leave for anywhere that is better. Do that. Immediately.
No.
I prefer to make this place better.
One way to do that would be to catapult you and your kind into active volcanoes.
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Spankywrote:
We’d have Spanky in a heartbeat.
But no Mexicans here.
You’ll need to mow your own lawn.
Can I bring My Mexican with me?
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Spanky wrote:
I hate this fuqing shythoal.
Spanky wrote:
I prefer to make this place better.
chomad.png
Absurd.
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Spanky wrote:
Can I bring My Mexican with me?
What sort of mower does he have?
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