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Eric is in Lexington Kentucky hi Eric how are you I'm better not deserved a bank cool how can I help I got a question about insurance I've been working for the past couple years as a temporary at a factory but I just received word that in about a month I will be hired on full-time good and so with that comes new insurance mm-hmm and this is the first time in the good number of years that I've I will be offered HSA mm-hmm and I recall you mentioning that thank you says you have one yes I wonder the the advantages of it what kind of questions I should ask make sure it's it's the good one for myself in my family all right 97% of the people and other team members and Ramsey solutions using HSA we offer a PPO but we don't recommend it and I personally use an HSA the what the HSA is is a large a high deductible lower premium because it's a high deductible health insurance plan and most of them have a hundred percent coverage once you meet the deductible but the deductible is high it'll be l...