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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: chowder who wrote (21863)	11/3/2025 12:45:47 PM
From: Max2.0	Respond to of 23248

That is a great idea. Not an option on health insurance if we want to use the Retiree benefits. But we now have a $34K deductible on our homeowners insurance. So lets hope nothing bad happens to our home going forward. Note to anybody out here in CA and on the Fair Plan for homeowners insurance. Out Broker is telling us that the Fair Plan is essentially insolvent due to the Palisades fire in LA. That will likely translate into huge premium increases over above the outrageous premiums already in place. We are hopefully getting off the Fair plan with Farmers insurance. That is if we pass the house inspection this Wednesday. Looks like there are only 2 insurers still writing policies in Fire Risk areas. Farmers and USAA. USAA requires present or former military service of a family member to qualify.

To: chowder who wrote (21863)	11/3/2025 12:53:39 PM
From: QTI on SI	2 Recommendations Recommended By chowder livwell Read Replies (2) \| Respond to of 23248

For those who can contribute to HSA, that's also a good way to safe away some dollars for out-of-pocket health expenses, such as deductibles. Both myself and wife contributed to HSA when we were working full-time. Not only we contributed, but also invested those dollars and now our combined HSA balance is close to $200K. Fidelity has HSA option which is better than any other that I have tried. One nice thing about HSA is that you can take money out tax free retroactively for past qualified health expenses (we keep all our out-of-pocket expense receipts for the past years) that we can someday use to create tax free income. I know it's not much, but still every little thing helps, including trying to stay healthy. Wish HSA would allow paying health insurance premiums (I think there was some push to allow this for medicare premiums?)