Depends on the plan
At an old employer, the options were something like this:
Regular PPO - $600 deductable, $25 co pay, $375/month premium.
HD Plan - $2000 deductable, $6000 out of pocket max, no co pay, $72/month premium, and the company deposited $1800 in a HSA for you at the start of the year.
In that situation, the HD plan was a no-brainer. Between the premium savings and the bonus HSA money, you completely offset the higher deductible.
But at my current employer, the premium difference is less than $100/month, the deductable is $400 vs $4000, and they only put $1000 in the HSA.
Only way that makes sense if you have good reasons to believe you will not need much medical care. And I have a few too many orthopedic needs right now to assume that.
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In response to this post by Vienna_Hokie)
Posted: 02/20/2019 at 6:24PM