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<blockquote data-quote="Shadowrider" data-source="post: 1379205" data-attributes="member: 3099">Yeah, I&#039;m self employed too.But if your current premiums are that low, the &quot;plus some&quot; that you add is going to have to be a considerable amount to get to where you &quot;can sleep at night&quot;.&nbsp; One thing you might consider is running the HSA thing for like 3 years or so.&nbsp; Then go with your plan, leaving your HSA intact (just not making any further contributions because you wouldn&#039;t have a qualifying health plan) and invested conservatively in a dividend paying portfolio.&nbsp; Then open another account for your current contributions and self insurance purposes.&nbsp; Think of your HSA as a &quot;bond&quot; but you&#039;d still be able to use it tax free for medical if needed.&nbsp; I&#039;m &quot;up&quot; well over 100% on my contributions to my HSA.&nbsp; With the right investments you could get there in less than 5 years and still not have to tighten your belt too much.Regardless, you sound like your on the right track and have thought it out well.</blockquote>

[QUOTE="Shadowrider, post: 1379205, member: 3099"] Yeah, I'm self employed too. But if your current premiums are that low, the "plus some" that you add is going to have to be a considerable amount to get to where you "can sleep at night". One thing you might consider is running the HSA thing for like 3 years or so. Then go with your plan, leaving your HSA intact (just not making any further contributions because you wouldn't have a qualifying health plan) and invested conservatively in a dividend paying portfolio. Then open another account for your current contributions and self insurance purposes. Think of your HSA as a "bond" but you'd still be able to use it tax free for medical if needed. I'm "up" well over 100% on my contributions to my HSA. With the right investments you could get there in less than 5 years and still not have to tighten your belt too much. Regardless, you sound like your on the right track and have thought it out well. [/QUOTE]

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