First of all my profile states and upfront admits that I/we have been horrible with our money and just now really getting it. I know I've messed up in the past but I am really working to correct it even though I am 52.
Now.........dh and I have different insurance policies through our respective jobs. If either of us added the other to our plans, the premiums would skyrocket. I don't know all of the details of his plan but my plan has a $2000 deductible and a $2000 coinsurance so basically after I pay $4000 then everything is covered. That is pretty much what I spent last year for my back surgery.
Neither one of us have HSA's offered through our employer and I'm not so sure that is what I want anyway. I can't really talk about what I do at work but suffice it to say that I do have a little bit of experience of dealing with HSA's and it would probably be fine for dh but I really don't think it would be as great for me. I can't really say much more than that.
I know that hospitals offer payment plans but I was taken by surprise when I was told at my admission that they were requesting the 2 grand up front. I used to work at this same hospital in the 1990's and at that time we would never ask for payment up front but healthcare has certainly changed since then.
I hope dh doesn't have a torn rotator cuff because of what people have said about the surgery and recuperation. It sounds like it would be much worse than my back surgery. I dealt with horrible back pain for about 20 years and even though there was pain for the surgery I had immediate relief from the throbbing burning sciatic pain. That part was awesome. I still have quite a bit of pain in the left SI joint and that concerns me. It keeps me up a lot at nights and lord knows I don't want to have to go through any more therapy, epidural steroid injections or whatever they do to help with that.