WindSparrow - reluctant to give advice without many more specifics. But in general HSAs make sense for high income healthy people. You would know whether the two of you fit that profile. They go sold a lot to others, but in the long run if you are not high income and healthy you don't come out ahead.

I know when my former company started offering HSAs, I looked into for me. But, as someone with a chronic condition that needs to be looked after regularly, as well as being on daily meds, I came out much better staying on my HMO. (see Typo's above "high income healthy" which I am not.)

Of course, I also firmly believe that an HMO is only going to be as successful as your PCP. I love mine to no end and if I didn't have a good one, I'd reconsider the HMO.

This is, of course, my experience only. I'm sure others have different ones.

Thanks, TypoBoy, ChiKat, and meara.

Using an expired inhaler is better than not using any inhaler when having an asthma attack, right? I should qualify this by saying I already used it. I'm going to call my doctor and get a new prescription in the morning.

IOannoyingN, there were certain toll roads when we were in Dallas that only had the easy pass option, with no actual toll booths to pay at, so we were told we would just get billed for those tolls. Instead, we were charged a $5 fee for every toll we didn't pay. We're disputing it with the rental company and the credit card company.

Byron! Silly boy. Glad you came home.

sj, I don't think it will *hurt* you. I just think it won't be as effective. It also depends on *how* expired it is -- my BiL the pharmacist says the dates listed are usually incredibly early for CYA reasons.

sj, I don't think it will *hurt* you. I just think it won't be as effective. It also depends on *how* expired it is -- my BiL the pharmacist says the dates listed are usually incredibly early for CYA reasons.

It expired in January, because I'm an idiot. You actually have to take the little part with the medicine out to see the expiration date, and I haven't thought to check in a while. I did use three sprays instead of two because I wasn't sure if it was working enough, but that could have also been because I was freaking out.

If it only expired in January, it's probably fine. And like I said, it won't *hurt* you, but pay attention to whether you're getting relief or not, because Breathing Is Important!

Thanks, Amy. It definitely worked enough that I am breathing regular now. I'm going to call my doctor tomorrow to get a new one. I should be fine between now and then.

This thread's nearly dead, did we decide on a title?

I have to wear pj's to work all week.

I need to figure out a plan to do this, other than working from home.

HSA: We did this for years and it was great, but none of us had any ongoing health issues and my client doctors never charged us. We had the security of major medical coverage in case something bad happened and the savings account building up for any deductibles. I don't think it would work with regular medication or doctor visit expenses. A bit of math of what you would be spending per month out of pocket compared to the savings in the premiums would give a good picture.

Rock on, Byron! (but leave mom a note next time before you take off)

We have an appeal of my son's suspension tomorrow morning. He wrote a very articulate statement of his points, better than any essay he has ever produced. What will be will be. Just seems whack to suspend a kid 10 days with 12 days left of school when he has never been in a fight in his life, doesn't cause trouble, no drugs. Whatever. I just want him to learn to use the process and system in the future when he has issues with a teacher.