That's what I was suspecting. I'm pretty firmly in the middle area, feeling all of the "high deductible" part without the "oh finally the insurance company is actually helping"
I'm not sure if I know the "actual premiums" involved. The information I have only tells me what my own cost will be. The PPO is the company basic plan, which costs me $0. The HSA is cheaper, which means the company contributes $125.38/month back into the HSA.
Here's some more details, which I'll add back to the post:
HSA premium: $-125.38/mo (company contributes back into HSA)
HSA deductible: $6350
HSA OOP max: $6350
HSA expected medication costs: $4000 ish
HSA expected specialist visit costs: $2300 ish (hooray therapy!)
PPO Premium: $0 (covered by company)
PPO deductible: $2000
PPO OOP max: $5000 (i can't help reading that as POOP MAX)
PPO expected medication costs: $600ish
PPO expected office visit costs: $700ish (hooray cheaper therapy!)
bgr2258 OP t1_iuiotfo wrote
Reply to comment by kylejack in At what point are the benefits of an HSA outweighed by medical costs? by bgr2258
That's what I was suspecting. I'm pretty firmly in the middle area, feeling all of the "high deductible" part without the "oh finally the insurance company is actually helping"