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jokerfriend6 t1_iudt8gh wrote

We use PPO + FSA instead of HSA.. We have a family and healthcare expenses can get high. Also PPO + FSA covers 90% while HSA covers 80% so for us PPO is better. I can see for a single person that is healthy HSA would be beneficial, then if you start to have multiple health issues switch to a PPO the next year.

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shadow_chance t1_iueegbd wrote

What's the premium difference? I've rarely seen a family plan where the HDHP was worse than traditional PPO plan because the trad plan was like $1000/month and the HDHP was $500.

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jokerfriend6 t1_iuejuwb wrote

It matters on out of pocket costs for the year. For a PPO plan, I pay $770 a month next year, and HDHP is roughly $650 a month for family plan. PPO pays 100% after $2000 spent in network for family and $1000 per person. $250 per person and $500 per family is the deductable. HDHP is $2500 and $5000 before they cover 100%

I should also say this is our costs and not the full plan costs. Cost of my PPO plan is $18000 a year but my employer picks up 2/3rds the cost.

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shadow_chance t1_iuek5bi wrote

Ah that's a small cost differential. I usually see much higher differences in premiums alone so the HDHP almost always make more sense.

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