Hello, I have an HSA with Optum Bank that I am transferring to another institution. A couple of weeks ago, I had a phone call with Optum where they had told me to liquidate my investments before initiating the transfer. Right after we hung up the phone, I liquidated all my investments and initiated the transfer with the other institution (Fidelity). I sold X amount of shares of VFIAX at share price of $565.06. A few days after liquidating everything, there was a purchase of shares on my account using my entire account balance, purchasing shares of VFIAX at a share price $567.88. It turns out that my account had a flag named HSA auto-transfer enabled, which is the cause of this. VFIAX has dropped a significant amount since this purchase was made. As of now, it is priced at $530 per share, which will drop even lower today. I am upset because the representative from Optum did NOT inform me that auto-invest was enabled, and my entire portfolio is down about 7% due to this. I just spoke with a supervisor at Optum to see if they can reverse this transaction and they said there is nothing they can do. The only thing I can do from this point is to disable auto-invest and liquidate all my shares for a loss. Is there anything I can do about this? I'm upset that I have to take a loss due to the phone rep not telling me to disable this feature. It's also caused delay on the transfer process to Fidelity.

I was in an accident. I was turning and collided with another vehicle traveling the other direction on a residential street. Apparently an attorney is involved now according to my insurance company, and it certainly has me scared. We have a job and house, but we are barely surviving, so playing legal games is going to break me. It also feels very unfair. I'm pretty sure, if anyone was injured in that car, it's because it appears the kids weren't buckled. It was a mom and kids on the way to school. I want to the back to help and saw a dazed kid rubbing his knees because they probably hit the console in front of him and he was crying. Not totally crazy, like im broken help it hurts crying, but like mildly hurt but mostly scared. I have kids. That explanation wont hold up in court but anecdotally I think he likely was fine based on what I saw and my own experience from the crash. I had mild bruises on the top of my legs, not visible, but just a sore feeling. But I was buckled. And I had a airbag in my face and a little dazed, but when I got out the math didn't work out in my head with how many people I was seeing and the number of seats available in that car. there was a baby seat but no baby. that leaves 4 legal seats in that car, but I'm pretty sure there were at least 5 people in that car. It was hard to figure it all out because of the shock of it and one or two of them walked off to a school or were taken by grandparents that showed up fairly quickly. I bet Its too late to go back and prove that, and I doubt there will be camera footage of it, but there is a slight chance because there is a medical business at that corner, its at the edge of residential and commercial. I dont know what to do. I really dont feel like anyone should have to pay for bodily injury other than her on this, but maybe that is just me being an asshole. It just doesnt feel right because the likelihood that they were playing clowncar with missing seatbelts is fairly high, and it was such low speeds. I didnt hit them in the door, it was front to front. Noone should have walked away from that with any real injuries if you were doing things like you were supposed to. I had minor bruises that lasted 2 to 3 days and were never visible. I'm about to be broken by some greedy person that just wants to cash in and I don't know if there really is anything I can do about it. Fight or not fighting both are too expensive for me to survive. I auto lose.

Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.

Couple of questions if I may... I recently used Goosehead to get home and car insurance. They said that AMWINS would be best for homeowners insurance. Has anyone heard of AMWINS? Are they any good? Anyone had any claims with them? Also, I just received a notice of a rescind of cancel notification from both of them. I never received notice of cancellation and that is concerning to me. They stated that the original reason was "underwriting". It does state that there was no laps in coverage. I will call them later today but I was wondering if anyone could shed some light on this as to what happened. I live in DFW and the house is paid off if that means anything.

What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

Hey everyone, I'm currently living in CA and am on an Anthem Select HMO through my employer - my entire family (wife, daughter, me) are covered under this plan. My wife is currently pregnant with #2 due in September. However, my family will be moving to Pennsylvania in a couple months, and I will likely be staying with my same employer/plan (this is still to be confirmed but seems like it'll be the case). However, the Anthem Select HMO does not have coverage in the area we will be moving to, but the company also offers PPO options that do have coverage in the new area. Will moving across the country, at which point my coverage would essentially be lost, count as a qualifying life event and allow us to switch to the PPO coverage? I tried to reach out to the insurance company, but they said they can't make that determination. Is it a state requirement that determines it? If so, would it be CA state or PA state that would take precedence? I'm waiting to explore further with my company until it's for sure that I'll be staying with this employer as we're kind of keeping it on the hush-hush until it's official. Curious on your guys thoughts.

Ever since they merged it with the main app, it hasn't worked for me. The tab just says "Something went wrong and we can't display your Drive Safe & Save info right now." How do I get it to work? I just got an email saying I need to complete steps on that tab or else I will lose my discount.

So, I was terminated in May of 2024 where I have a DCFSA account. When I went to call Optum Bank, they said the employer allows 3 months of grace period (to August 2024) then terminates the account. Optum account follows this, and does not allow reimbursements from terminated accounts. It looks like I'll lose this money. Any thoughts?

Hello. In December 2024 I enrolled in health insurance with United Health care through my employer during open enrollment. Benefits were to begin 1/1/2025 and my premium was to be $54.44. I noticed on my recent paycheck that my premium had more than doubled. I never received notice of this premium increase and only realized it had happened because my paycheck was smaller. I called them and they said the increase was because they "recalculated my information and saw an adjustment was needed." I demanded they cancel my plan, as I had not agreed to this premium. They said I wasn't allowed to cancel until the next open enrollment period with my employer in December 2025. They said they would open an appeal on my behalf and created a ticket, but I’m doubtful it’s going to make a difference, they will likely just reiterate what they already said and not allow me any recourse. Are they allowed to do this? Do I have any options in this situation or do I just have to accept that they can charge me whatever they like throughout the course of the year? I was not aware rates could change mid-policy like this. I am 48 and healthy. I have a nearly $10,000 deductible, and don’t go to the doctor for anything outside of my yearly checkup because I cannot afford to pay for anything out of pocket. I’ve also stopped taking prescribed medication because I don’t want to pay for that out of pocket either, and I can get by without it. It’s crazy to me they’re allowed to do this. Apologies in advance if I have posted in the wrong place.

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?