In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review July 10, 2012/ 20 Tamuz, 5772

Prognosis Not Good for HSAs

By Tom Purcell

http://www.JewishWorldReview.com | It figures.

Health Savings Accounts, or HSAs, have been so successful at reducing the cost of health care, the ObamaCare people are out to get them.

The HSA concept: Rather than buy a health insurance policy that has a low or no deductible, you purchase one that has a high deductible.

Since the insurance company doesn't have to pay anything until you exceed your high deductible, it's happy to give you a much lower premium. You save on the premium — and by shopping around, since most of your initial health care costs are on your own dime.

Rather than use a name-brand medication, you choose the much cheaper generic. You ask doctors and other providers what particular services and treatments cost.

Of course, they hardly ever know.

When I blew out my Achilles tendon playing racquetball five years ago, I asked the doctor what the surgery to reattach it would cost. I asked the nurse what the crutches she gave me cost. I asked what the MRI to get a good look at my leg cost.

Each person I asked looked puzzled and said the same thing: "I don't know. Nobody ever asked that before."

That, in a nutshell, is what is wrong with our health insurance and health care systems: Consumers are completely divorced from costs. Massive inflation has been the result.

To help put consumers back in control, HSAs became law in 2003. They offer all kinds of flexibility to individuals and families.

Say your employer is paying $10,000 a year for your family's "Cadillac" health insurance that covers almost everything. Well, why not give that $10,000 credit directly to you, so you can buy a policy with a $5,000 deductible that costs, say, $5,000 a year? You take the $5,000 you save on your premium and invest it in an HSA tax-free.

If you have medical needs, you can use your HSA money to pay for them until your deductible is met and your insurer takes over. And by shopping around, you help drive down the cost of health care for everyone.

If you are lucky and stay healthy, you can grow a tidy little HSA nest egg. When you turn 65, you can use that money for anything you want.

But ObamaCare, says Forbes, is going to make HSAs more costly.

This is because HSAs are driven by consumers, whereas ObamaCare is driven by command-and-control bureaucrats.

See, the ObamaCare people have published guidelines that require all health insurance plans to have an actuarial value of 60 percent — which means at least 60 percent of any care is paid for by the insurer and no more than 40 percent is paid for directly by the insured.

HSAs don't meet the 60-percent threshold.

This is because ObamaCare counts only the $5,000 paid for your family's insurance policy, not the $5,000 your family sinks into its HSA.

Under ObamaCare's confused bureaucratic standards, that means 50 percent of care your family receives is paid for by your insurer, 50 percent by you.

The only way for your HSA to meet the 60-percent threshold, then, is for you to purchase a more expensive policy, significantly limit the amount you put into your HSA or abandon it altogether.

Which is precisely what the ObamaCare folks want.

Your ability to choose goes down, your costs go up — as happens every time government's powers expand and individual freedoms are taken away.

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© 2012, Tom Purcell