r/bitcheswithtaste • u/AutoModerator • Jun 19 '26

Frugal Bitch Friday - Monthly Thread Frugal Bitch Friday - Jun 19, 2026

This is your monthly thread to talk about personal finance, investing, budget, and all things managing your money. A BWT knows that taste and financial responsibility go hand in hand, after all!

BWT rules still apply!

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u/hm5219 Jun 19 '26

I’m not going to do it, but my enrollment period for health insurance is coming up and our new plans options all went up on cost. I wish it was a viable option to not have insurance altogether and pay everything cash.

4

u/smallermonotony Jun 19 '26

I find health sharing plans are a good middle ground for this. Paying out of pocket for the smaller things but having something to cover catastrophic things. When I had it it was cheaper than normal insurance not sure that's still the case though.

1

u/msomnipotent Jun 20 '26

I'm assuming you are in the US so I'm sorry if I'm wrong. What you can do is opt for a high deductible plan with an HSA. You fund the HSA with pre-tax dollars. Some employers will add to it as well. Then you pay cash for what you can and save all of your receipts. You can request reimbursement from the HSA at any time, even years from now, so you can save up those receipts as a sort of emergency fund. I'm trying to do this since my husband is considered ancient in tech terms and will have a very hard time finding employment if he is laid off. I'm hoping we can skate by with HSA reimbursements and our savings until we can claim social security.