I have a similar approach, though I capture a bit more data. I track the "true" (as true as it can be in the US healthcare system...) cost in the expense, then offset that expense contra account entires for the insurance plan's adjustment and portion paid.
Expenses:Health:Medical:Doctor 200.00 Expenses:Health:Medical:Doctor:InsuranceAdjustment -50.00 Expenses:Health:Medical:Doctor:InsurancePayment -50.00 Liabilities:Healthcare:Accounts-Payable:MyDoctorsClinic Then pay the liability as necessary. Having the "true" cost of healthcare has helped me to see the benefits insurance is providing and helps in evaluating new plan options. I similarly use metadata to capture amounts toward deductible and coinsurance maximums. I would like to make use of this to report on progress towards meeting those limits but have not done so yet. So far I have decided to use tags for individuals rather than subaccounts. I have found it adequate for my needs rather than the additional subaccounts. I need to do better about importing this stuff on a regular basis, I tend to put it off until year's end. Thanks for the inspiration! On Sunday, November 2, 2025 at 1:15:43 AM UTC-6 [email protected] wrote: Wrote up a quick (thanks, AI!) article on Double-Entry Bookkeeping for US Healthcare <https://reds-rants.netlify.app/personal-finance/double-entry-bookkeeping-for-us-healthcare/> including importing EOBs and tracking payment plans. -- You received this message because you are subscribed to the Google Groups "Beancount" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To view this discussion visit https://groups.google.com/d/msgid/beancount/b9eabbe4-9cb0-42b2-ab46-9f1ea4ec2a8en%40googlegroups.com.
