HSAs for very healthy people only

[gifs]

I live in Washington State. I want a Health Savings Account (HSA). It lets me deduct the $2,500/yr account contribution from my taxes. It's really a great idea. Except two insurers in the state provide the high-deductible insurance you must have to open an HSA. One has rejected me for being just a bit too sick in the past. I'll try the other.

I do not respond well to hearing "no". I have the money and time to prepare a lawsuit. Injustice needs to pay a price for existing. My ideas:

1) Sue the insurance providers. They are keeping me from at least $500/yr savings. Over ten years that's $5k. Small claims. Lose, but feel like I got even.

2) Sue... I dunno... Congress? For creating a system that lets healthy people get rich.

I'm very healthy. I had problems in 1997 but I made lifestyle changes. The state-standard quesitonaire does not ask about lifestyle... At All. So if you exercise 1 hour a day to manage health issues, they don't care. Sue the state!?

Sue someone. Lose. But go down fighting. Because I'm right. It's the world and law which are wrong.

Do the math: I have to incur over $2,500 in yearly expense before the insurer has to provide a penny. I have not incurred that much medical expense in a year in my entire life. Where's the risk to them? I want a day in court. But which court, and which defendent? "Whole system of injustice" is a bit vague.

[somarco]

When legislation was written creating the HSA the first criteria was that you must have a QHDHP in place. If you want to fight this, appeal to your congressmen & senators.

I would be quite surprised if there are only two carriers offering QHDHP's in WA.

You could move to another state such as NY, MA, ME, NH, or VT where carriers are prohibited from denying individual coverage on the basis of your health. Of course health insurance premiums there are about 3x what a carrier would charge for similar coverage in a neighboring state that does not legislate underwriting rules.