Open enrollment is coming at the end of the month and I’m having a hard time navigating whether to maintain the high deductible HSA plan I currently have ($74/wk) or switch to the co-pay PPO ($134/wk). Located in MA if that matters, and would plan to conceive and give birth in same year to condense costs. Pregnancy will most likely be c-section as she has already had a c-section in the past.
High Deductible Family
$74/wk — $3,848/yr
$4,000 Deductible
$1,000 Employer Contribution to HSA
$10,000 Max OOP
20% co-insurance after deductible
PPO Family
$134/wk — $6,968/yr
$2,000 Deductible
$10,000 Max OOP
I would appreciate any help choosing here – I’m over my head trying to figure out these numbers and I see positives to both options.
submitted by /u/br917
[link] [comments]Open enrollment is coming at the end of the month and I’m having a hard time navigating whether to maintain the high deductible HSA plan I currently have ($74/wk) or switch to the co-pay PPO ($134/wk). Located in MA if that matters, and would plan to conceive and give birth in same year to condense costs. Pregnancy will most likely be c-section as she has already had a c-section in the past. High Deductible Family $74/wk — $3,848/yr $4,000 Deductible $1,000 Employer Contribution to HSA $10,000 Max OOP 20% co-insurance after deductible PPO Family $134/wk — $6,968/yr $2,000 Deductible $10,000 Max OOP https://ibb.co/w6Kh8Tq I would appreciate any help choosing here – I’m over my head trying to figure out these numbers and I see positives to both options. submitted by /u/br917 [link] [comments]Read Morer/HealthInsurance