Cigna Local Plus PPO, Open Access Plus, HSA?

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My employer is providing me with some options to sign up for health insurance:

-Cigna Open Access PPO (in network) – monthly premium: $361.60; deductible: $750; OoP Max – $4000

-Cigna Open Access PPO w/ HSA – monthly premium: $283.31; deductible: $3000; OoP Max – $5000

-Cigna Local Plus PPO – monthly premium: $311.42; deductible: $750; OoP Max – $4000

-Cigna Local Plus PPO w/ HSA – monthly premium: 237.63; deductible: $3000; OoP Max – $5000

Should I just sign up for my own health insurance? How is Cigna, and how has your exp with Local v. OAP been? I’m 26 years old, very healthy, and I make around $40k.

submitted by /u/asswipes2000
[link] [comments]
My employer is providing me with some options to sign up for health insurance: -Cigna Open Access PPO (in network) – monthly premium: $361.60; deductible: $750; OoP Max – $4000 -Cigna Open Access PPO w/ HSA – monthly premium: $283.31; deductible: $3000; OoP Max – $5000 -Cigna Local Plus PPO – monthly premium: $311.42; deductible: $750; OoP Max – $4000 -Cigna Local Plus PPO w/ HSA – monthly premium: 237.63; deductible: $3000; OoP Max – $5000 Should I just sign up for my own health insurance? How is Cigna, and how has your exp with Local v. OAP been? I’m 26 years old, very healthy, and I make around $40k.
submitted by /u/asswipes2000 [link] [comments]Read Morer/HealthInsurance

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