Please Help Me Choose between Highmark (DE) ACA HSA Plan and Non-ACA Small Group HSA Plan; Can a Small Group Plan Increase Quarterly?

Must Read

I have two HSA options I’m looking at via Highmark (DE). The ACA I can purchase via the Marketplace; the other is for a small group quote.

Am I correct in thinking that an ACA is fixed premium throughout the year, but that a non-ACA small group could be increased quarterly, at will, by Highmark?

https://imgur.com/iho0f7T ACA

https://imgur.com/Q679Ajb (Please see Second Column Bronze 6900 HSA)

https://imgur.com/lhSGOYP(Please see “Alternative 5” Column for “$6850 100” )

This is all of the details I have from ACA and my agent helping me. Am I right that it is impossible to see the full policy until it is issued?

I don’t expect anyone on Reddit to read 2 policies !! But how can I make an informed choice? Especially if once the ACA window is closed I would have to choose a small group plan?

I’m looking for a catastrophic plan. Usually have very low year costs, although there are a number of surgeries doctors have been pushing me to get for years (like deviated septum) so I’m trying to be mindful of anesthesiologist costs (or do they skirt around insurance reimbursement?) or other costs that maybe advance one plan over the other.

Sorry for so many questions and grateful for any feedback, no matter how short or long.

submitted by /u/pushpinpaula
[link] [comments]
I have two HSA options I’m looking at via Highmark (DE). The ACA I can purchase via the Marketplace; the other is for a small group quote. Am I correct in thinking that an ACA is fixed premium throughout the year, but that a non-ACA small group could be increased quarterly, at will, by Highmark? ​ https://imgur.com/iho0f7T ACA https://imgur.com/Q679Ajb (Please see Second Column Bronze 6900 HSA) https://imgur.com/lhSGOYP(Please see “Alternative 5” Column for “$6850 100” ) ​ This is all of the details I have from ACA and my agent helping me. Am I right that it is impossible to see the full policy until it is issued? I don’t expect anyone on Reddit to read 2 policies !! But how can I make an informed choice? Especially if once the ACA window is closed I would have to choose a small group plan? I’m looking for a catastrophic plan. Usually have very low year costs, although there are a number of surgeries doctors have been pushing me to get for years (like deviated septum) so I’m trying to be mindful of anesthesiologist costs (or do they skirt around insurance reimbursement?) or other costs that maybe advance one plan over the other. Sorry for so many questions and grateful for any feedback, no matter how short or long.
submitted by /u/pushpinpaula [link] [comments]Read Morer/HealthInsurance

- Advertisement -spot_img

Leave a reply

Please enter your comment!
Please enter your name here

- Advertisement -spot_img
Latest News

Where to Get a Free Passport Photo in New York City

Is such a thing even possible?Is such a thing even possible?Passports, Face, Photography, Traffic Accidents and Safety, LVMH Moet...
- Advertisement -spot_img

More Articles Like This

- Advertisement -spot_img