Adam and Cassie Porterfield, a healthy couple in their mid- 30s, were delighted when Adam landed a new job with a promotion and increased salary. But, they were disappointed to learn that he would not be eligible for benefits for 90 days. The company offers a comprehensive package of health insurance, vision insurance, dental insurance, life insurance (1.5 times salary at no premium charge), short- and long-term disability insurance, and long-term care insurance. An employee can choose how to spend the employer-provided premium dollars to purchase any combination of insurance or additional life insurance. Fortunately, Cassie has group health insurance with a $1 million lifetime per covered individual.

To avoid exclusion of any preexisting conditions by his new employers health insurance coverage, what should Adam do? Would a Health Savings Account be a better option for coverage during his first three months with the company?