Have you thought about opening a health savings account (HSA) to supplement your insurance? Investing in an HSA gives you a current-year tax deduction, while creating a savings account to use to pay out-of-pocket medical expenses currently or in the future.
An HSA is not a use-it-or-lose-it plan. Any funds in the plan at the end of the year can be used in future years.
Also, be aware that you can fully fund your HSA up to April 15 of the following year. Call our office (805-496-2828) for details about opening a health savings account.