What's your health insurance status? Will the ACA help you?

[FreeJoe]

11. PPO HDHP HSA

I've got a high deductible PPO with an HSA that covers me, my wife, and my kids. I pay about $85/month out-of-pocket for the coverage. The company pays $1,250/year into my HSA. I put an extra $5,000/year into the HSA. The only impacts I'm aware of based on the new laws are a change in how long my kids will be able to stay on my insurance (they are in middle school, so that's a distant concern) and the elimination of the lifetime maximum. My company is switching providers (technically, they are self-insured, so the provider is really the administrator) this year with the rumor being that it was somehow related to avoiding the Cadillac tax.

We have been in the HSA for a few years now and have accumulated about $16,000. Most of it is invested in a bond fund and a stock fund. Because of a quirk in the law, we pay for our share of medical expenses out-of-pocket and keep the money in the HSA. We save our receipts so that we can deduct it tax-free in the future to cover those medical expenses. By leaving the money in the HSA, it continues to grow tax free.

I should be covered by retiree medical, but I don't know the details of how that works because that is still many years away.