US – PPO vs HDHP what am I missing? The prevailing wisdom that I often see repeated is “choose a HDHP if you’re young and healthy and PPO if you have or expect to have significant medical needs”. We’re a family of four. Three of us have multiple prescriptions filled monthly. I just had my 3rd heart attack. I think we’re firmly in the ‘significant medical needs’ column. With that s…

Anyone had a similar HSA scenario? HDHP + HSA question My wife received a job offer at a university and she is offered the same exact Blue Cross Blue Shield Medical Benefits that we currently have through my employer; however, the annual cost for her and I through her employer would only be $791 (annually) as opposed to mine is $3,588 (annually). It’s literally 1/5 of the cost. Option 1: $791 annua…

Is it worth it for me to get a HDHP + HSA? I have to choose a health plan through my employer. I make 44k a year and I’m choosing between two plans. The LMV1 is $170 per month and the HDHP is $210 a month. Here is the complete breakdown: https://imgur.com/a/H39GWCI The deductible for the HDHP is actually lower, and overall that plan looks interesting and I would like to have an HSA, but …