Search found 3626 matches

by madbrain
Wed May 04, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 58
Views: 4463

Re: Should I pay back my parents back for paying for some my college costs

No. It sounds like they have a spending problem. You say they both need to downside - it sounds like they have negative cash flow. If so, $8000 is not going to help - it will only delay the inevitable. If you want to help them, pay for some financial education classes for them.
by madbrain
Tue May 03, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 2848

Re: Almost perfect credit score (FICO from Amex)

Keep in mind that the credit score doesn't measure who is the lowest risk to lend money to, but who has the potential to be most profitable. The lowest risk is a person who doesn't need credit: good income, high net worth, no debt. However, the most profitable person is someone who has a good incom...
by madbrain
Sat Apr 16, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 10716

Re: What are Pros and Cons to the "Four Hour Workweek?"

...He got started by coming up with an idea for a new app, he had somebody build the idea out, he got massive funding, and launched it... 1) Please tell us the name of the app. 2) How did he "have somebody build the idea out" before he got "massive funding?" I'm going to hazard ...
by madbrain
Sat Apr 16, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 10716

Re: What are Pros and Cons to the "Four Hour Workweek?"

He may have worked very hard(or was very lucky) to build up his nest egg and now his money is working 24 hours a day even if he is only managing it four hours a day. Measuring his percentage return on investment is likely a better metric than his hourly wages. Four hours a day is a lot different th...
by madbrain
Fri Apr 15, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 1906

Re: Solar Price Per Watt?

OMG I want to scream! I've had Enphase inverters fail repeatedly. My installer says tech support has long wait times due to high failure rates. Labor has not been reimbursed for the last two I replaced. Sorry you had this experience. I installed 14 D380 (which are dual panel micro-inverters) - cove...
by madbrain
Fri Apr 15, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 1906

Re: Solar Price Per Watt?

Great price on parts, high price on labor. I think you can do better today. At the very least, get micro-inverters instead of single inverter, for that price. Micro inverters are supposed to last longer, so you won't have to replace them over the life of your system. Enphase has a 25yr warranty on ...
by madbrain
Fri Apr 15, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 1906

Re: Solar Price Per Watt?

Also, unless you have terrible shading issues, micro inverters are a complete waste of money and create many points of failure instead of one. Except with a micro inverter failure, only a single panel will be down, not your whole array, which would happen if you have a monolithic inverter failure.
by madbrain
Fri Apr 15, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 1906

Re: Solar Price Per Watt?

Great price on parts, high price on labor. I think you can do better today. At the very least, get micro-inverters instead of single inverter, for that price. Micro inverters are supposed to last longer, so you won't have to replace them over the life of your system. Enphase has a 25yr warranty on t...
by madbrain
Thu Apr 07, 2016 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1621

Re: Which bank for ATM use outside the US?

Also, PNC customer service, operator of the Fidelity visa debt cards, says my card has a daily withdraw limit of $510. But my online account shows a limit of $1000. I was able to take out more than $700 today. My Fidelity debit card issued by BNY Mellon , not PNC. When did you get yours ? Maybe the...
by madbrain
Wed Apr 06, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1621

Re: Which bank for ATM use outside the US?

The Fidelity Cash debit card works fine for me as an ATM card - no fees, reimburses all third party ATM fees, always got a great exchange rate. Strange... I called them today because the web-site only talks about domestic. They said that they would NOT refund the ATM fees when outside the US and th...
by madbrain
Wed Apr 06, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1621

Re: Which bank for ATM use outside the US?

Right now, Schwab seems to have a good deal on 0% currency fee and refund of unlimited ATM fees in the Visa network (including outside US). I checked Fido & eTrade where I already have a brokerage accounts but their offering is blah. The Fidelity Cash debit card works fine for me as an ATM card...
by madbrain
Wed Apr 06, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 113
Views: 13314

Re: guaranteed 5% vs stocks?

With NetSpeed, it seems the only option to withdraw your money is by ATM (with fees, on both ends) or request a check (with a single fee, 3-4 weeks). That does not seem like a good idea.
by madbrain
Tue Mar 29, 2016 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Sharing Ministry A No Brainer?
Replies: 66
Views: 6931

Re: Healthcare Sharing Ministry A No Brainer?

Actually, it does, its down in the 250 or so page number where he concludes it a useful option and definitely NOT a scam. As people use them, and have been using them for years, I am going to suggest that those who are claiming this, are speaking of something they know nothing about. When you are u...
by madbrain
Tue Mar 29, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16786

Re: Liking the new Citi CC at Costco

BTW, Discover and the Delta AMEX both have no foreign transaction fees. Don't know about the Discover's acceptability overseas so it will be the Fidelity Visa and the Delta AMEX taking the ride. Both are good shipboard. I don't think there is much point in bringing a Discover card abroad. If you br...
by madbrain
Mon Mar 28, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Sharing Ministry A No Brainer?
Replies: 66
Views: 6931

Re: Healthcare Sharing Ministry A No Brainer?

sfatula, For an in depth report of these types of heath sharing ministries, see this lengthy paper http://engagedscholarship.csuohio.edu/cgi/viewcontent.cgi?article=1341&context=jlh which concludes there is no scam here. Pretty good paper. This is indeed a very lengthy paper, but it seems mostly...
by madbrain
Sun Mar 27, 2016 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8314

Re: Paying Marriage Penalty Tax vs. Cohabitation

I think you are missing the forest before the tree. Never mind issue about inheriting retirement accounts. What about other property, like your home ? If you are inheriting a home from a non-spouse, you will have to pay taxes on it. Even if you own it jointly 50-50, you will have to pay taxes on the...
by madbrain
Sun Mar 27, 2016 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5952

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

[ The 1906 San Francisco earthquake struck the coast of Northern California at 5:12 a.m. on April 18 with an estimated "moment magnitude" of 7.8 and a maximum "Mercalli intensity" of "XI" ("Extreme"). <snip> As a result, about 3,000 people died and over 80% o...
by madbrain
Sun Mar 27, 2016 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Finance new home but keep the old - sell taxable, HELOC, cash out refi?
Replies: 12
Views: 956

Re: Finance new home but keep the old - sell taxable, HELOC, cash out refi?

Oops, sorry about that - income is about 165K plus 10K or so in 1099 income, most of which gets erased by expenses. About 30K of that 165 is received at year-end as bonuses, though, so I prefer not to count it in our monthly cashflows, but I know lenders will look at the full amount so I assume get...
by madbrain
Sun Mar 27, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16786

Re: Liking the new Citi CC at Costco

and add in the 6% CASH back on groceries AMEX Blue Cash Preferred. Well, if you shop for groceries mostly at Costco, as we do - and I suspect many in this thread also do, this card would not give you 6% back on groceries. And of course, you won't be able to use AMEX after june. I think you may be c...
by madbrain
Fri Mar 25, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Finance new home but keep the old - sell taxable, HELOC, cash out refi?
Replies: 12
Views: 956

Re: Finance new home but keep the old - sell taxable, HELOC, cash out refi?

You don't state your income, so it's a little difficult to give advice. One thing that strikes me is : why do you have a mortgage at 5% on your co-op ? This is a really high interest rate. Is this because of bad credit ? If so, that's going to be an issue if you want to keep your old home. If you ha...
by madbrain
Fri Mar 25, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16786

Re: Liking the new Citi CC at Costco

4% back on gas purchases at Costco and other gas stations (on up to $7,000 spent per year) PenFed has a 5% Cash Back Gas Card that does not have a spending maximum Is the $7,000 of gas limit really an issue for anyone ? That would be 2000 - 3000 gallons. Unless you have a whole family of Hummer dri...
by madbrain
Fri Mar 25, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16786

Re: Liking the new Citi CC at Costco

and add in the 6% CASH back on groceries AMEX Blue Cash Preferred. Well, if you shop for groceries mostly at Costco, as we do - and I suspect many in this thread also do, this card would not give you 6% back on groceries. And of course, you won't be able to use AMEX after june. The only 2 Amex I ha...
by madbrain
Fri Mar 25, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 9
Views: 838

Re: Do escrow accounts in California earn interest?

Hi, Do mortgage escrow accounts (for property taxes and insurance) in California earn interest? If possible, please provide a link. Some have stated in this forum that California pays 2% interest on escrow accounts. However, the comments were from past years. Thanks. Yes. I get about $100/year in i...
by madbrain
Fri Mar 25, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5952

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

What's the plan for when an earthquake levels the whole city? Is earthquake insurance pretty standard in that region? That has never happened, and no, earthquake insurance in the bay area is by and large unaffordable. For me, it's a no-brainer - the $14k/year premium with a $270k deductible makes z...
by madbrain
Fri Mar 25, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5952

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

Housing in the Bay area will always remain pricey. Even in the worst of the recession (2008-09) housing never cratered as other areas of CA did. That's just not true. Many parts of the bay area were hit quite hard. All real estate is local. I know someone who financed a townhome that dropped 65% in...
by madbrain
Fri Mar 25, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Housing Prices Trajectory in the Bay Area?
Replies: 77
Views: 5952

Re: Thoughts on Housing Prices Trajectory in the Bay Area?

One advantage is that California is a nonrecourse state--if the market plummets and you hand over the keys, the lender can't come after you for any deficiency. (Would devastate your credit score though, and there may be ethical qualms.) That's only true for the original purchase loan(s). If you eve...
by madbrain
Mon Mar 07, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is a CS PhD financial suicide for my profile?
Replies: 57
Views: 5942

Re: Is a CS PhD financial suicide for my profile?

It's far from suicide, but just don't overestimate what the PhD degree will really get you. I'm a high-school dropout working in the valley as a software engineer for 20 years. I have interviewed many PhDs that evidently couldn't code or debug to save their life. They were not hired. IMO, the piece ...
by madbrain
Mon Mar 07, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 154
Views: 19641

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Conversion contributions to Roth IRAs are treated differently than direct Roth IRA contributions by the IRS. The rules for withdrawals are different, for example. IMO, one can use this to make the case that the 2-step transaction process is not equivalent to a direct contribution. So, I'm not really...
by madbrain
Thu Feb 25, 2016 11:58 pm
Forum: Personal Consumer Issues
Topic: Can EMT's and emergency rooms really read USB pendants?
Replies: 58
Views: 4280

Re: Can EMT's and emergency rooms really read USB pendants?

Medical emergency information can be stored on your smartphone, and accessed easily. Actually, info on a locked smartphone can NOT be accessed all that easily, as the FBI is finding out in the San Bernardino case... This is incorrect. The iPhone has an emergency screen which can be accessed while l...
by madbrain
Thu Feb 25, 2016 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 5322

Re: Can I afford LTC insurance given my unique circumstances?

If you have the time, scroll down to her LTC section which includes short medical quiz ( I passed) and financial quiz (not sure if I passed, as stated in my original post. http://apps.suzeorman.com/pl/pdfs/Personal_Insurance.pdf I looked. The 5 question medical quiz is a joke, IMO. There are plenty...
by madbrain
Mon Feb 15, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Can you do taxes for more than one person with tax software?
Replies: 13
Views: 1041

Re: Can you do taxes for more than one person with tax software?

Looks like you can do five federal but would have to pay for the second state. I think there are ways around that - if you have multiple computers and have a CD/DVD version of Turbotax, which doesn't have a serial number attached to it. Uninstall the software from computer #1 after you are done, an...
by madbrain
Fri Feb 12, 2016 7:45 am
Forum: Investing - Theory, News & General
Topic: Yellen: "We're taking a look at negative interest rates."
Replies: 56
Views: 6733

Re: Yellen: "We're taking a look at negative interest rates."

Might be time to invest in a larger mattress. Or pay off any debt with a positive interest rate . My 1.99% 7-year car loan and 3.25% 30year fixed mortgage look expensive compared to negative interest rate. Personally, I don't care for deposits with a negative interest rate, but I sure wouldn't mind...
by madbrain
Wed Feb 10, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card t

That doesn't give you pause? By law banks have 10 days in a dispute where they can not do anything. All someone has to do is skim your card and they can run arbitrarily many arbitrarily large charges. And if after 10 days the bank says "we think the charge is good," then you are out the m...
by madbrain
Wed Feb 10, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

A thief can use them to drain money out of your account, sometimes without ever having handled your card, How can they do it without the card? In order to get cash, they would need to skim both the card and the PIN, and make a copy of the magstripe card. The same could apply to a magstripe credit c...
by madbrain
Wed Feb 10, 2016 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card t

What if one day important payments bounced, your account was drained, and electronic records showed that you made card-present, PIN withdrawals and charges of thousands of dollars? It's not the casual wallet thief you need to be most afraid of. There is a low $500 limit for cash withdrawals with PI...
by madbrain
Tue Feb 09, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 20
Views: 4280

Re: Jeremy Siegel : I was too bullish

I am surprised that he did not point out that now is a really good time to buy stocks... That's because he actually doesn't think it is, right now, if you mention the article, with all the headwinds like possible China devaluation, etc. As someone who holds a large % in EM, which have dropped a lot...
by madbrain
Tue Feb 09, 2016 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

We still used the Fidelity ATM card on our most recent trip. I'm confused, does Fidelity have an ATM card only or are you using the Fidelity debit card on your cash management account only for ATM transactions? Sorry - it's a combo debit/ATM card. But we used it only for cash withdrawals, and not p...
by madbrain
Tue Feb 09, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

@madbrain. POZ here and single. I picked a HDHP instead of a PPO copay plan and here is why: I take one pill a day and the drug manufacturer will cover out of pocket costs for its medication for me up $6,000 a year. My medication is about $6800 every quarter for a 90 day supply. My insurance has a ...
by madbrain
Tue Feb 09, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

There are credit cards with 0% international transaction fees as well (Fidelity 2% Cash Back Visa, Penfed, Capital One, etc.) - so you could rely a good portion of your trip on that and don't need to always rely on your debit card. I mean if someone only travels a bit internationally like once ever...
by madbrain
Tue Feb 09, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

(The new EMV chips will reduce another type of fraud, card cloning). OP here - sadly, Fidelity/BNY have yet to send me a new EMV VISA debit card. It's still magstripe. And the expiration date is more than 2 years away. At this point, I think they are the only financial institution that didn't send ...
by madbrain
Mon Feb 08, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel : I was too bullish
Replies: 20
Views: 4280

Jeremy Siegel : I was too bullish

It's not every day you hear perma-bull Jeremy Siegel say this .

http://finance.yahoo.com/news/jeremy-si ... 5438.html#

Obligatory actionable question : are you acting on this advice ?
by madbrain
Mon Feb 08, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 6300

Re: Need advice - Employer withdrew accepted offer

IANAL, but what I would do if I were your wife is the following : 1) Try to get older, low-paying job back If accepted, then move on . And never consider that company again, of course. 2) If unable to get the old job back, consult a local lawyer to evaluate the situation. And keep looking for anothe...
by madbrain
Wed Feb 03, 2016 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Switched employers, have a funded FSA and HSA. How to use?
Replies: 14
Views: 1134

Re: Switched employers, have a funded FSA and HSA. How to use?

JoeJohnson wrote:In 2014 I had a FSA, left that employer and was specifically told I had until the end of the year to spend the money.


You have until the end of the year to file claims, but the claims must be for services rendered before your termination date.
by madbrain
Mon Feb 01, 2016 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

madbrain, Regarding your $60k in prescription drugs being based on the "sticker price," consider that those under HDHPs are paying far below sticker price as well in many cases since their insurers also likely negotiate rates. It's true that before the deductible in the HDHP you would pay...
by madbrain
Mon Feb 01, 2016 3:30 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

The devil is in the details. If I went on a traditional plan, I would pay an additional $4k in premiums. And instead of a maximum family OOP of $4k with the HDHP, I would pay $8k with the traditional plan. Under the traditional plan, my maximum exposure would equal CURRENT PREMIUM + $4k additional ...
by madbrain
Sun Jan 31, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

One should not look only to the tax benefits of the HSA. There are drawbacks to HDHPs. The tax benefits of the HSA may be there, but the HDHP one needs to have to open and contribute to an HSA often has much higher out of pocket costs than traditional plans. Unless you never see a doctor and don't ...
by madbrain
Sun Jan 31, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

Madbrain, agree in your case it looks like the HSA is not the way to go. What would the math look like if you assumed you don't need the HSA money to pay for your medical expenses every year, I.e. have more money for investing? Great question. If assuming $0 out-of-pocket costs for both plans, the ...
by madbrain
Sun Jan 31, 2016 6:53 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

If you are in the 25% federal bracket or higher and sometimes, states allows a deduction for HSA contributions, those tax savings coupled with the savings on the premiums that the employee pay would be higher than the amounts you'd be saving by having a PPO or HRA. I am a CPA and trust me, I ran th...
by madbrain
Sat Jan 30, 2016 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I switch to a HSA?
Replies: 15
Views: 1223

Re: Should I switch to a HSA?

Not enough information. I think you meant "switch to an HDHP". An HSA requires an HDHP. What kind of coverage do you have now ? What are the deductibles for your old plan new plan ? Maximum out of pocket ? Any copays/coinsurance also for things like doctor visits, lab test, drugs, etc. Esp...
by madbrain
Sat Jan 30, 2016 5:09 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 4559

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

From my experience, its either an HSA or a PPO. I think you mean HDHP or PPO. HSA is entirely optional - you could have an HDHP without an HSA, though it may not be the best idea. I haven't heard of many HMOs in recent years. I wish my company still had the HMO. Bad stories of not a lot of good doc...

Go to advanced search