HDHP Plan with Kaiser – HSA Question I recently switched to an HDHP plan so that I can open a HSA. I am paying for it myself, not through my employer. I read somewhere that if it’s not through the employer, the health-insurance company may contribute a portion of my premium to my HSA. Is this true? Also, any recommendations for where to open an HSA? I anyways would like to do it be…

Why do we say that US-based HDHP plans are only good if you have low medical expenses? Ita doesn’t seem to be true. It seems to be more accurate that a HDHP is cheaper in nearly all situations. A really small example below, using Federal employee rates for a family plan. ||GEHA Standard|GEHA High|GEHA HDHP| –:|:–|:–|:–| |Premium|5571.8|9784.32|5239.52| |Deductible|700|700|3300| |***subtotal***|6271.8|10484.32|8539.52| |HSA pas…

Getting an HDHP solely for HSA? Hey all, making my way down the legendary flowchart, but skipped a step due to a unique situation, but now I’m switching employers and it made me think about this. Is it worth it to sign up for an HDHP solely for an HSA? All my healthcare is taken care of by the VA, and I’m single no dependents. The premiums for the offered HDHP is $4135 annual…

HDHP vs PPO for Pregnancy It’s benefits enrolment time and my wife and I are planning to get pregnant next year. We’re in the same company but on separate individual insurance plans right now. We are wondering whether it would be beneficial for her to choose a HDHP with HSA for the pregnancy next year or go with a PPO. I believe it all boils down to math but I’m not sure…

HDHP + HSA vs $0 deductible and no HSA My Company started providing healthcare benefits through an ICHRA which basically means we are forced to purchase plans on the ACA market place. The good news is that they cover 100% of the premium for all the plans available to our family on the ACA market place, the bad news is the all of the plans are far worse the the group plan that we were…

AM I missing something PPO vs HDHP I am second guessing my choice here. I am single parent with high medical bills. My kids usually have a yearly checkup and 1 or 2 other expenses a year. PPO Monthly $458 Deductible $500/$1000 Office Copay $25 Max Out of Pocket $6650/$13300 HDHP Monthly $372 Deductible $1650/$3300 Max Out of Pocket: $2250/$4500 Last year I paid $2778 in copays ($…

Looking for help to choose between HDHP + HSA and PPO Hello all , I am a relatively new employee for an organization that offers HDHP+HSA , and PPO as options for health care. I am a little confused on what makes more sense for my family ( me + husband) to pick if we have never had HDHP+HSA before. We are also planning to get pregnant next year- so added expenses of hospital visits, fertility opti…

HDHP VS PPO while pregnant Hello everyone, I am due April 2025 and open enrollment has come up and I’ve just been going back and forth on which insurance plan I should get. I currently have a HDHP with HSA (not fully funded)with UMR, which because I have not met my deductible yet, I am paying quite a bit out of pocket for pregnancy appointments. I am not really good at ma…

HDHP + HSA vs PPO Health Insurance? Planning for pregnancy Going through open enrollment now and am not sure which health insurance plan is best for me this upcoming year. Hoping to become pregnant sometime in 2025 and give birth in late 2025 or early 2026. Based on the numbers below, it seems like the HDHP + HSA plan is the most cost effective for both in network and out of network care – is HDHP + HSA…

HDHP + HSA vs EPO option? In the middle of open enrollment and struggling to make a decision between the two options HDHP $31 per pay aka $806 per year, but my employer will also put $500 into HSA in this option so the real cost is only $306 per year. $1600 deductible, $3100 out of pocket max, and 20% co-insurance EPO option $55 per pay aka $1430 per year and no employ…

Why is HDHP more expensive Open enrollment is comming up and for next year I dont need to cover my wife which open up the opportunity for me to change to an HDHP with HSA. However it appears our base plan is cheapers. which makes me confussed. i assumed HDHP was meant to be cheaper but with a higher deductible – Base Plan Premium: 0 Deductible: 3500 Out-of-Pocket: 5650 Em…

HSA & HDHP Contributions I’m going over my benefits through my work. I get paid twice a month. I’m currently putting ~ $60 a paycheck towards my high deductible health plan (HDHP) and ~ $160 a paycheck towards my health savings account (HSA). My employer also contributes $500 a year towards my HSA. Before, I wasn’t putting anything towards my HSA because I was in …

HSA – Stay on a PPO plan or switch to a HDHP to open an HSA? I’m very aware of the benefits of an HSA on a pre-tax basis. What gives me pause, however, is having to swap to a healthcare plan where my medical visits cost 20% coinsurance after the deductible. I’m young (32) and healthy, but things happen and I enjoy the flexibility of a PPO healthcare plan where I pay copays of around $20-$35 per visit to a…

HDHP/HSA for “young and healthy” individuals I am 27 y/o and started a new job late last year. I enrolled in a Basic PPO plan through my employer and was thinking about switching to a HDHP with an HSA next year. I always see ppl recommending HDHP and an HSA for posters around my age and physically I’m pretty healthy. My mental health is my biggest pitfall… although all things considered, i…

I contributed to my HSA without having a HDHP early this year (I didn’t understand the rules, now I do). I’ll be changing jobs soon and enrolling in a HDHP. Am I in the clear? Will I be penalized for contributing during the months before I had a HDHP? Or will my new HDHP make the contributions acceptable? Thanks in advance. submitted by /u/_swalrus

HDHP plan advice please Hi all, wondering if anyone can provide any suggestion or insight to my situation Im currently on a HDHP plan and recent sprained my ankle playing tennis. I want to get a X-ray done and am looking for the cheapest method I was quoted 50$ for a out of pocket xray but required a doctor referral but that would cost me money to visit the doctor ( I …

Just graduated… how does health insurance work? PPO vs HDHP vs HMO (?) Hi! I (22M) just graduated college and got a job in California offering me a few plans. I always got confused on how health insurance works because I thought you pay monthly and they cover drugs/doctor/er but I guess not? At least everyone tells me thats an oversimplification. So right now I have 3 plans and I’m not sure how to compare the value…

Pregnant – HDHP vs PPO Hi all, My wife is expecting in early 2024, and I’m struggling between choosing the Anthem PPO or Anthem HDHP plans. I’ve put some details below for each plan and would love some input if you have any! Thank you! PPO ​ Annual Cost: $7,500 Annual Plan Year Deductible: $1,500 Maximum Plan Year Out-of-Pocket: $6,000 Professional Services PCP: …

Money is tight. Switching to HDHP worth it? Currently i pay roughly 300/mo for health insurance through my work for a super low deductible plan for just myself. My deductible is 800, max out of pocket is 3500, and coinsurance of 20%. We have a much cheaper HDHP available which would cost me about 90/month. The deductible is 5k and max out of pocket is 6k with a 10% coinsurance. This mont…

PPO—-HDHP Comparison For a couple’s pregnancy, it seems I should be comparing max family OOP factoring in premiums. https://myoptions.blueshieldca.com/trinet Using an in-network provider, HDHP 3500 = $13,450 Vs POO 500 = $8,000 Delta / 26 weeks = If HDHP premiums are $210+ cheaper, then it makes sense. Not factoring in HSA $ either. I think it was $300/mo delta in r…