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Wednesday, April 7, 2010
This Just In: A Calculator for the HCR--Cheaper to Insure or Pay the Penalty?
At the Calavcade of Risk--front page. Enter your annual pay, annual insurance premium cost, type of policy (single or family), and the likelihood of needing hospitalization (charts are provided on the site for reference).
The calculator told me it would be cheaper for us to pay the penalty and only buy insurance when we actually need it, which is what I already figured on my own. The whole penalty/coverage thing is set up much like an HSA, only without the savings mechanism--pay cash or the penalty for the smaller stuff, and have a high-deductible policy cover the big stuff.
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