Too bad the media refuses to report on Medicare’s tax free MSA.

Also, many younger people save more in taxes with their HSA deposit than the cost of their HSA insurance.

If you wind up in the hospital, the hospital has a very strong financial incentive to discharge you as soon as possible because Medicare (the government) is only going to pay for a set amount amount of days, based on what your illness happens to be. If your Medicare happens to be managed by an insurance company, they have an even stronger incentive to get you out the door fast, because they make more money if they can discharge you sooner than the set number of days paid by Medicare.

If you wind up going to a “rehab facility”, which you probably will because you’re not well enough to go home, they have a strong financial incentive to keep you as long as possible, even though your co-pay kicks in at 20 days. Since theoretically you have up to 100 days of rehab for a covered illness, the rehab facility wants to drag out your rehab as long as possible, because that’s how they get paid by Medicare.