jokerfriend6 t1_iuejuwb wrote on October 30, 2022 at 6:57 PM

Reply to comment by shadow_chance in Is there a downside to enroll in HSA vs. FSA? by newsboyron

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.

shadow_chance t1_iuek5bi wrote on October 30, 2022 at 6:59 PM

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