But I have two adult children enjoying my insurance until they're 26 (thanks Obamacare) So they would be forced to pay more up front and/or reach out to me for access to the savings account, right?
Yes, you pay more upfront. However, you also may obtain more 100% tax-deductible benefits. You may contribute up to $6750 for 2016 ($7750 if you are over 55).
IMHO, you need to contribute the full amount to obtain max benefits from this plan.
Note that, if you don't use the funds for medical, you can invest them in equities...sort of a second TSP!
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Posted by: sarah_oz@yahoo.com
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