u/Signal-Dollar-5621

I have heard the top providers are Lively and Fidelity, but who is really the best for both low fees and ease of receipt management? I would ideally like to store all my receipts with the provider long term even if I don't request reimbursement until later. Unless that is a terrible idea? I just want a simple software solution to store receipts, I guess. If the HSA provider isn't the right place, then how are you all doing this? I am not really a fan of jerry rigging my own solution in Google Docs. I can choose any provider because I will be setting up my own via an ACA plan. Thanks for the input!

My brother is scheduled for a PEG replacement with a gastro FNP. Nursing home made the appt, but since it's with an FNP, I'm skeptical this appt is actually the replacement procedure, and not just a pre-op screen. He hasn't been seen by Gastro since he got his PEG in Sept 2025. I am also going to try to find out myself if Gastro will talk to me.

In your experience, do FNPs do this procedure? Nursing home swears the appt is for replacement. Since they let his PEG age to 10 months old, and it now supposedly has mold, trust but verify has become paramount with these jokers.

Also, the appt isn't for another month. Given the mold and the fact that there's been a stubborn, intermittent skin infection at the tube site since late June, is it dangerous to wait another month for replacement?

If you are an early retiree and have an ACA high deductible plan with an HSA, do the health plans typically have a particular HSA Admin provider that they work with, or do you get to select your own HSA Admin?

I am familiar with FSAs and HRAs where you use your card and it goes through, but a few days later, the Admin for the account flags the transaction and wants paperwork, and it just happens that it will be a royal pain to track down a receipt. This happened to me recently for a transaction that was done over the phone and getting a receipt will be difficult.

Are HSAs like this too? Or do the transactions always go through?

I'm looking for a health insurance consultant or broker who can advise on selecting a Virginia ACA plan. While I understand the basics, I'd prefer to have some expert guidance. Thanks for any reccs you can provide for ACA brokers who work with Virginia plans for individuals. Preferably someone you used personally or know someone who had a good experience with them.

I am considering asking my small business employer if they would be willing to create a retiree health insurance benefit. I want to retire at the end of the year (age 52), and I am looking for an ACA alternative. I am willing to pay 100% of the cost, but ultimately, I would still want to compare it to ACA options.

When I ask the owner, what are the pros/cons that I need to be aware of from their perspective? Of course, I want to be sensitive to the impacts on their bottom line. This is a business I care a lot about, and the owner and I are close. I would appreciate any input you business owners may have for those of you who offer these plans.

Also, do you allow your retirees to take a year off of the plan and try an ACA plan but it they don't like it, can they come back to the retiree plan? Or if they ever drop the retiree plan, can they never get back on it?

I am hopefully starting PSIP soon. I am wondering what to expect between PSIP sessions. Will it be emotionally destabilizing such that I will have difficulty performing at work, or managing my life like I normally do? Will it sap my energy, or will I feel depressed? I know everyone is different, but what have you experienced?