PPO

A type of health insurance plan which increases 3-5% annually without any increase in medical benefits.

Also known as a preferred provider organization.

Michael - "What does PPO stand for?"
Rocco - "It stands for Piss Poor Option."

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HSA

A health insurance plan where half the premium normally paid to a PPO is invested in a personal portable savings account akin to a 401k. It's triple tax deferred. Money going in, money going out, and money invested in it is tax free as long as it is used for medical expenses.

Also known as a health savings account.

Michael - "What's an HSA?"
Rocco - "I just paid $300 of medical expenses with my HSA...but at least the money spent was pre-tax, not like a PPO plan where insurance executives and the government already took their share and made my past medical expenses even more expensive. Why is anyone still buying PPO plans?"

Kryptonian Effect

When you’ve been awake for so long that at the next sunrise you suddenly feel rejuvenated.

If it were not for the Kryptonian Effect, I never would have made it through exams today.