Well, the new high-deductible health plan at DH's job with the HSA is supposed to go into effect January 1. We've waited and waited, and he never got a form to fill out about how much he wanted to put in the HSA each paycheck. There was one meeting about it in our part of the state, and DH missed it because he called out sick that day. His supervisor said not to worry, because we'd all be getting something in the mail.
Here it is 12/28 and we haven't gotten anything, so I called up to his Human Resources department to ask if we missed getting something. I figured if there was a 12/31 deadline, there'd still be time to get a form and fax it back. I hate making a call like this to his job, but I know from experience he won't do it. He cares so little about health coverage that when he finally started working full-time after three years of part-time, he declined coverage because he "didn't want them taking anything out of his paycheck." I ended up having to continue COBRA coverage from my former job for about $6000 a year until his next open enrollment date. It actually cost us more than that because I had to take money out of an IRA and pay taxes and penalties.
What I found out was, 1) they are NOT mailing anything out to employees, they have to ask if they are interested. 2) The woman who handles it is on vacation til January 3. 3) When I called to try to reach DH at work, I talked to a woman in the local office who said nobody else at their location was going to sign up for it.
I'm feeling stressed and annoyed and unsure of myself all at the same time. Am I wrong in thinking the HSA would be a good thing for us? If so, why is nobody else taking advantage of it? How can I shake some sense into DH's head about the importance of this stuff? Am I being too pushy calling about it myself? Really, I had to call because I know DH wouldn't do it.
Over and over again, I feel like I have to protect myself financially because DH will not do it, and at times has even taken advantage of me. Someday I'll write about that in further depth. Let's just say I'm unexplainably short of cash again after entering my spending in Quicken, and my first thought was that DH has started to "borrow" money from my purse again lately. It might not be the case at all--I've been doing a lot of rushing and not recording things right away. But it takes a long time to build back trust again, and lately several things have happened to remind me he will take a mile if I give an inch.
Health Savings Account and DH
December 28th, 2005 at 04:37 pm
December 28th, 2005 at 04:49 pm 1135788595
December 28th, 2005 at 06:41 pm 1135795318
Good luck to you.
December 28th, 2005 at 07:58 pm 1135799918
December 28th, 2005 at 09:36 pm 1135805783