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Stock-Freedom t1_ja4q0qb wrote

You can both have separate or combined healthcare plans. It’s up to you. If you have an FSA, it’s kind of antiquated. I’d switch to the HSA plan if offered so you don’t lose money.

If you are married filing jointly you have the income limit of a married filing jointly family. But yes, 403b plans are often worse than 401k plans.

Follow the flowchart.

My generic advice:

https://i.imgur.com/lSoUQr2.png

Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.

Stop by the sidebar to see the Common Topics, which include basic money handling and investing.

You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.

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Slight_Club8965 OP t1_ja4rtdb wrote

Thank you! Most of my peers who no longer qualify have robust 401k plans they use instead and my public sector friends tend to be below the limits, so it has been hard to find people in my position. I really appreciate the input and flowchart.

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1hotjava t1_ja4rhcj wrote

>I’d switch to the HSA plan if offered so you don’t lose money.

You can’t switch to an HSA unless you have an HDHP. Most likely OPs insurance doesn’t qualify and thus why they offer the FSA

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Slight_Club8965 OP t1_ja4sz88 wrote

Yep, no HSA. I have some regular appointments each month and a set copay so I calculate what I need for the year for those and leave a little extra for other expenses I know I will end of charging throughout the year. So far it has worked out well for me.

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