$0 premium PPO vs HDHP+HSA After spending time on this sub I understand the attractiveness of HSA and would like to start one but am hesitating because of my unique circumstances. I currently have through my employer a PPO with $0 premium per paycheck. Employer pays everything. It’s through Aetna and it’s pretty decent; $2000 family deductible and $9000 out of pocket max…

Switch from HSA to PPO? Need help deciding if I am better off switching from HSA to PPO or should I continue contributing. My HSA over the last years has grown to almost 500k and I have never met my deductible in last few years in my hdhp plan. What this means is my expenses are always high out of pocket on hdhp. What will folks recommend a good amount in HSA is to swi…

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…

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 $2778 in copays ($…

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 (with HSA) $1,500 or Buy up PPO $250, premiums difference is $1,700 higher for PPO. Why ever pick PPO? Trying to understand something here, does it ever make sense to pick the PPO? It seems like I would pay $1700 less for HDHP in premiums, but $1250 more in deductibles. And that difference of $450 is surely worth having access to HSA? Are there any other reasons not to pick HDHP? submitted by /u/pleasenotifyme22

Health Insurance: Traditional PPO vs High-Deductible PPO Hello Reddit, I am getting married soon so I will have a chance to re-evaluate my benefits. My company offers a Traditional PPO plan and a High-Deductible PPO plan with and HSA offering. You can see the raw numbers here: https://i.imgur.com/yzAVwbZ.png The thing is, I am having a hard time coming up with a scenario that the Traditional PPO offer…

I have an HSA for myself, and the wife with her PPO I have my HSA just for myself alone because my wife has her insurance (free). Is it smart to change my HSA to family to increase the contribution limit? How about me being added to her insurance for a small premium? Basically making us a dependent on each other’s health insurance? What will be the implications when we use our insurance? subm…

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: …

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…

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…