Red Flag to Trustee

[slk2198]

Suppose I increased my health insurance & 403b to help with the means test. How long would I have to have these in place to not arouse interest by the trustee?

[AngelinaCat]

At least a year, preferably two. The more time you can let pass, the better. Otherwise it can look like you are hiding assets.

[keepmine]

Lowering deductibles and contributing to an ERISA qualified retirement account isn't hiding assets.
You should have zero issues with your insurance premium. Health insurance is a viable expense and lowering your deductible protects you from higher medical bills.
Ask your lawyer how trustees handle 401K and 403B contributions in your area. Many trustees will allow you to contribute up to the employer match.

[ValleYum]

You could consider term life insurance, disability insurance and lowering your deductibles on renters, homeowners and auto insurance policies, too. A thousand dollar deductible is hard to come up with fresh out of a bankruptcy.