HDHP, the AI Slop of insurance
July 13, 2026 at 3:48 PM
HDHP, the AI Slop of insurance
This is gonna be "High Deductible Health Care Plans for All" if this money is delivered as HSAs which require a HDHP to access.
November 18, 2025 at 4:08 PM
This is gonna be "High Deductible Health Care Plans for All" if this money is delivered as HSAs which require a HDHP to access.
When you stay away from your phone, you realize it’s still 2003 outside
Then you realize that’s when Republicans moved healthcare costs from employers to [us] by creating the HDHP and created a wealth vehicle for rich people called a “HSA”
Travel plans?
Then you realize that’s when Republicans moved healthcare costs from employers to [us] by creating the HDHP and created a wealth vehicle for rich people called a “HSA”
Travel plans?
January 28, 2025 at 8:22 AM
When you stay away from your phone, you realize it’s still 2003 outside
Then you realize that’s when Republicans moved healthcare costs from employers to [us] by creating the HDHP and created a wealth vehicle for rich people called a “HSA”
Travel plans?
Then you realize that’s when Republicans moved healthcare costs from employers to [us] by creating the HDHP and created a wealth vehicle for rich people called a “HSA”
Travel plans?
As the ~discourse~ seems to bend interminably towards Republicans trying to figure out how they can (further) HDHP-ify ACA coverage, it's worth revisiting what is probably our best (most rigorous) study on the effect of deductibles in health insurance.
academic.oup.com/qje/article-...
academic.oup.com/qje/article-...
November 10, 2025 at 9:51 PM
As the ~discourse~ seems to bend interminably towards Republicans trying to figure out how they can (further) HDHP-ify ACA coverage, it's worth revisiting what is probably our best (most rigorous) study on the effect of deductibles in health insurance.
academic.oup.com/qje/article-...
academic.oup.com/qje/article-...
At this point, HSA health care accounts are better than some non-HSA eligible HDHP accounts by a mile.
April 23, 2024 at 5:46 PM
At this point, HSA health care accounts are better than some non-HSA eligible HDHP accounts by a mile.
Even employer-sponsored group plans are seeing skyrocketing premiums and more than half of the employer-sponsored group plans are now HDHP plans with huge deductibles.
December 29, 2025 at 2:28 PM
Even employer-sponsored group plans are seeing skyrocketing premiums and more than half of the employer-sponsored group plans are now HDHP plans with huge deductibles.
$350/month to $2781/month, bronze hdhp with hsa for 2 middle aged nonsmokers
$11k deductible
$16k out of pocket max
the marketplace page says i can apply for a catastrophic plan w hsa based on affordability. there are no such plans for my state
$11k deductible
$16k out of pocket max
the marketplace page says i can apply for a catastrophic plan w hsa based on affordability. there are no such plans for my state
November 11, 2025 at 3:21 AM
$350/month to $2781/month, bronze hdhp with hsa for 2 middle aged nonsmokers
$11k deductible
$16k out of pocket max
the marketplace page says i can apply for a catastrophic plan w hsa based on affordability. there are no such plans for my state
$11k deductible
$16k out of pocket max
the marketplace page says i can apply for a catastrophic plan w hsa based on affordability. there are no such plans for my state
HDHP apparently means "High-Deductible Health Plan," but that acronym sounds like something I would load into the main gun of an Abrams tank.
May 12, 2025 at 9:02 PM
HDHP apparently means "High-Deductible Health Plan," but that acronym sounds like something I would load into the main gun of an Abrams tank.
In which @juddlegum.bsky.social unveils the mystery of Trump's obsession with expanding Health Savings Accounts:
acasignups.net/26/03/23/mys...
acasignups.net/26/03/23/mys...
The mystery behind Trump's obsession w/expanding HSAs, unveiled (and it's just as I expected)
Health Savings Account: A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP)....
acasignups.net
March 23, 2026 at 2:03 PM
In which @juddlegum.bsky.social unveils the mystery of Trump's obsession with expanding Health Savings Accounts:
acasignups.net/26/03/23/mys...
acasignups.net/26/03/23/mys...
HDHP* typo. High Deductible Health Plan with a Health Savings Account partially funded (with tax advantaged dollars) by the company
October 10, 2025 at 4:20 PM
HDHP* typo. High Deductible Health Plan with a Health Savings Account partially funded (with tax advantaged dollars) by the company
ok so im doing my benefits enrollment for my new job. alright. so i have 3 plans. one's an HDHP and it qualifies for an HSA. the other two are some really high premium plans -- $100 and $180 each.
March 11, 2025 at 12:40 AM
ok so im doing my benefits enrollment for my new job. alright. so i have 3 plans. one's an HDHP and it qualifies for an HSA. the other two are some really high premium plans -- $100 and $180 each.
Relevant to Trump’s “all HSA, no HDHP” proposal
In what has to be one of the all-time turns of phrase in a scholarly paper, the authors note that, when faced with cost-sharing in health care, "individuals make decisions that are inconsistent with the general preference to stay alive"
November 8, 2025 at 5:16 PM
Relevant to Trump’s “all HSA, no HDHP” proposal
it is Jan 28 maybe doing HDHP was a mistake
January 28, 2025 at 7:46 PM
it is Jan 28 maybe doing HDHP was a mistake
2026年凯撒医保计划自付封顶额度（个人，全家乘以2）：铜级60 HDHP HMO $7200，HMO $9800；银级70 HMO $9800，73 HMO $8100，87 HMO $3350，94 HMO $1400；金级80 HMO （0 deductible，20% coinsurance） $9200；白金级90 HMO （0 deductible，10% coinsurance） $5000；0 Cost Share HMO $0。
January 20, 2026 at 9:42 PM
2026年凯撒医保计划自付封顶额度（个人，全家乘以2）：铜级60 HDHP HMO $7200，HMO $9800；银级70 HMO $9800，73 HMO $8100，87 HMO $3350，94 HMO $1400；金级80 HMO （0 deductible，20% coinsurance） $9200；白金级90 HMO （0 deductible，10% coinsurance） $5000；0 Cost Share HMO $0。
Maybe she found out she needed medication that her HDHP insurance wouldn’t cover or was exorbitantly expensive. Maybe she looked at the rising interest rates and realized that she would be paying off her student loans for 15-20 years and never be able to afford a house.
September 26, 2026 at 2:19 PM
Maybe she found out she needed medication that her HDHP insurance wouldn’t cover or was exorbitantly expensive. Maybe she looked at the rising interest rates and realized that she would be paying off her student loans for 15-20 years and never be able to afford a house.
you're next... to receive amazing benefits from a HDHP
December 5, 2024 at 12:18 AM
you're next... to receive amazing benefits from a HDHP
This is literally an HDHP plan. We had one of these when I was growing up, we called it crisis insurance. I used the same inhaler for 6 years bc a new one was $600. I still find myself rationing my puffs even though the new one is $10 bc I did that for so long. This is insane, esp for $2300 a month
October 20, 2025 at 9:34 PM
This is literally an HDHP plan. We had one of these when I was growing up, we called it crisis insurance. I used the same inhaler for 6 years bc a new one was $600. I still find myself rationing my puffs even though the new one is $10 bc I did that for so long. This is insane, esp for $2300 a month
Say you have a HDHP with a $3,000 deductible and get pregnant in the middle of the year…$5,000 wouldn’t even cover OOP costs for a normal pregnancy/labor/delivery (this hypothetical would not an outlier by any means).
April 29, 2025 at 7:06 PM
Say you have a HDHP with a $3,000 deductible and get pregnant in the middle of the year…$5,000 wouldn’t even cover OOP costs for a normal pregnancy/labor/delivery (this hypothetical would not an outlier by any means).
--and other similar reassurances. It might not have been deliberate! His advisors may not have predicted all the things that would make insurers withdraw from markets and how many people would end up on a HDHP (or how many people had been on a cheap catastrophic plan)!
July 23, 2026 at 12:49 PM
--and other similar reassurances. It might not have been deliberate! His advisors may not have predicted all the things that would make insurers withdraw from markets and how many people would end up on a HDHP (or how many people had been on a cheap catastrophic plan)!
Dark ageplay: Your plushie is making you learn the difference between a PPO, a HDHP, an HSA, an FSA and a DCFSA by the time open enrollment ends.
A look into an alternate, fucked up evil universe where my blahaj *doesn't* encourage me to play googoo babies 24/7😱😱😱
(also may or may not have ignored sleep until 5am in a flow-state trance lmaooo)
(also may or may not have ignored sleep until 5am in a flow-state trance lmaooo)
March 24, 2026 at 3:32 AM
Dark ageplay: Your plushie is making you learn the difference between a PPO, a HDHP, an HSA, an FSA and a DCFSA by the time open enrollment ends.
We had the GEHA HDHP a few years ago and were happy with it, even with catastrophic illness costs it was reasonable. The only reason we switched was that I changed jobs.
October 1, 2026 at 1:17 AM
We had the GEHA HDHP a few years ago and were happy with it, even with catastrophic illness costs it was reasonable. The only reason we switched was that I changed jobs.
🧵It was a WHOPPER of a workday yesterday, but I'm finally taking the time to really look at this, and I have some thoughts....
OTC medications: This, IMO, really puts an emphasis on encouraging people to enroll into HDHP with HSA's. While these health plans may work for some, the strings that are
OTC medications: This, IMO, really puts an emphasis on encouraging people to enroll into HDHP with HSA's. While these health plans may work for some, the strings that are
Trump’s new healthcare plan is two pages long and one of those pages is a cover sheet.
January 17, 2026 at 4:34 PM
🧵It was a WHOPPER of a workday yesterday, but I'm finally taking the time to really look at this, and I have some thoughts....
OTC medications: This, IMO, really puts an emphasis on encouraging people to enroll into HDHP with HSA's. While these health plans may work for some, the strings that are
OTC medications: This, IMO, really puts an emphasis on encouraging people to enroll into HDHP with HSA's. While these health plans may work for some, the strings that are
It will be mildly hilarious if this evolves into “well, there would be public coverage after hitting a certain spending threshold” (M4A but make it HDHP)
November 8, 2025 at 4:52 PM
It will be mildly hilarious if this evolves into “well, there would be public coverage after hitting a certain spending threshold” (M4A but make it HDHP)
sooo i know about dealing with insurance to try and get surgeries covered but less about the specifics of HDHP/HSA since i don't go that route (because im accident prone and late 30s lol) but yeah generally speaking HDHP/HSA is for healthy folks that won't need rely on expensive procedures
March 11, 2025 at 1:13 AM
sooo i know about dealing with insurance to try and get surgeries covered but less about the specifics of HDHP/HSA since i don't go that route (because im accident prone and late 30s lol) but yeah generally speaking HDHP/HSA is for healthy folks that won't need rely on expensive procedures
I knew a woman at work who said she was waiting to have her second child until she had saved at least $10,000, because odds are her HDHP would span two years + a new deductible starting for the baby. She only feels comfortable considering a baby once she's saved essentially three maxed deductibles.
October 16, 2025 at 11:38 PM
I knew a woman at work who said she was waiting to have her second child until she had saved at least $10,000, because odds are her HDHP would span two years + a new deductible starting for the baby. She only feels comfortable considering a baby once she's saved essentially three maxed deductibles.