Hello everyone. As the title says, I’m trying to figure out which health insurance to go with for my new job. I am leaving my job in public education with incredible insurance (no deductible, cheap premiums) for an opportunity that will hopefully allow me better career growth.
Here are the options I’m deciding. For context, I have a spouse and a newborn baby. My company offers an $800 contribution with an HSA.
Plan 1: $330 Premiums with a $3000 deductible. 20/80 pay after the deductible is met.
Plan 2: 248 Premium with a $4000 deductible. 20/80 pay after the deductible is met.
Barring any extreme emergencies, I estimate my family’s medical expenses to be about 5k at the most this year. This is factoring in sudden visits to the pediatrician, rather than standard checkups. We don’t have any medications or big procedures coming up.
My logic was to go with plan #2 and contribute about $150 of my paycheck to my HSA, which would get me to my 4k deductible this year (with employee contribution).
It’s just hard because coming from a plan where I basically never saw a medical bill, I am not sure how much I’ll actually spend on just routine exams/checks/vaccines.
Any help is appreciated! Thanks!
submitted by /u/gyrk12
[link] [comments]Hello everyone. As the title says, I’m trying to figure out which health insurance to go with for my new job. I am leaving my job in public education with incredible insurance (no deductible, cheap premiums) for an opportunity that will hopefully allow me better career growth. Here are the options I’m deciding. For context, I have a spouse and a newborn baby. My company offers an $800 contribution with an HSA. Plan 1: $330 Premiums with a $3000 deductible. 20/80 pay after the deductible is met. Plan 2: 248 Premium with a $4000 deductible. 20/80 pay after the deductible is met. Barring any extreme emergencies, I estimate my family’s medical expenses to be about 5k at the most this year. This is factoring in sudden visits to the pediatrician, rather than standard checkups. We don’t have any medications or big procedures coming up. My logic was to go with plan #2 and contribute about $150 of my paycheck to my HSA, which would get me to my 4k deductible this year (with employee contribution). It’s just hard because coming from a plan where I basically never saw a medical bill, I am not sure how much I’ll actually spend on just routine exams/checks/vaccines. Any help is appreciated! Thanks! submitted by /u/gyrk12 [link] [comments]Read Morer/HealthInsurance