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I've written previously comparing our options for health insurance in retirement (2024, 2025). In both years insurance through the ACA Marketplace was easily the better choice. But for 2026 there are big changes to both PERACare and the ACA Marketplace that are going to make the comparison much closer (and more complicated). The big change … Continue reading PERACare vs. ACA Marketplace: 2026 Edition
Colorado PERA offers optional health insurance called PERACare as a benefit to its retirees. While the details of next year's plans aren't out yet (open enrollment begins October 20th), a presentation at today's Board meeting shared the details on the premium increases (and a change in one of the plans offered). Given all that's going … Continue reading PERACare Premium Increases and the Impact of a Plan Design Change
Some of the episodes in my new podcast series Teaching You to Fisch (Spotify, Apple Podcasts, YouTube) include spreadsheets I've created to illustrate particular topics. Some of them are modifications of spreadsheets I've used before and some are newly created. Because not everyone is going to choose to watch/listen to the podcasts (they are really … Continue reading Spreadsheet: Growth of HSA Over Time
I've written previously about the advantages of an Health Savings Account (HSA) account, particularly if you can afford to not reimburse yourself right away and instead use it as a stealth retirement account. The usual (and best) way to contribute to your HSA is through payroll deduction. That way it not only comes out pre-tax, … Continue reading You Can Contribute Directly to Your HSA
I've written previously about why I think an HSA is not only great in general, but is especially great if you have the ability to use it as a stealth retirement account. But for folks who want to use it this way, the HSA provider that they are with is not always the optimal choice. … Continue reading Why You Should (and How To) Transfer Your HSA to Fidelity
First, I need to apologize, because not every Colorado teacher just got a big raise. But due to a confluence of circumstances, quite a few did. These circumstances include: The state legislature having surplus dollars and finally deciding to try to make up for the years of underfunding of K-12 education (known, I kid you … Continue reading Colorado Teachers Just Got a Big Raise: Now What?
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