Hi health insurance aficionados! S/o to all of the insurance agents here–my dad was a health insurance agent when he was still alive. In lieu of his advice, I wanted to ask the people here 🙂
I’m changing jobs and comparing the insurance plans offered. It basically just comes down to whether taking an HDHP ($0/month) with a $2000/year employer HSA contribution is worth it over the security with a POS plan ($175/month). $3000 vs $1000 deductible. Same prescription coverage. Same dental and vision coverage. Same coinsurance for emergency services. POS obviously has copays for tests, specialists, sick visits, online visits ($10), mental health, urgent care, etc.
Basically, the difference between the two monthly, as they’re both deducted pre-tax (and I’ll add monthly medical expenses/prescriptions as additional pre-tax HSA or FSA contributions), will be roughly $120 a month on my paychecks.
I’m in my 20s and physically healthy, slightly elevated blood pressure, former HEAVY vaper (not for over a year now), exercise intensely 4-5 times a week (Muay Thai lol), and eat relatively well. I do, however, have to see a psychiatrist monthly (ADHD), which could run anywhere from $150-200 per appointment a month depending. I have not been sick (besides nicotine withdrawal, that was hell) in 2-3 years, but I’m sure that will change now that the world is kickstarted again.
Since I’m going to be using the entire employer HSA contribution a month no matter what, it seems to just come down to whether I want to bet that I will not have any health issues or illnesses that require a doctor’s visit or specialist, and that I won’t have some kind of medical emergency. I’ve never had insurance without copays, and this whole gamble with the HSA and high deductible seems risky. Any advice? Is the risk worth the extra $120 a month?
The anxiety here is stemming from worrying about my health since my dad died at 54 a few years ago. I’ve been trying to keep great tabs on my health since.
submitted by /u/TotalAnarchy_
[link] [comments]Hi health insurance aficionados! S/o to all of the insurance agents here–my dad was a health insurance agent when he was still alive. In lieu of his advice, I wanted to ask the people here 🙂 I’m changing jobs and comparing the insurance plans offered. It basically just comes down to whether taking an HDHP ($0/month) with a $2000/year employer HSA contribution is worth it over the security with a POS plan ($175/month). $3000 vs $1000 deductible. Same prescription coverage. Same dental and vision coverage. Same coinsurance for emergency services. POS obviously has copays for tests, specialists, sick visits, online visits ($10), mental health, urgent care, etc. Basically, the difference between the two monthly, as they’re both deducted pre-tax (and I’ll add monthly medical expenses/prescriptions as additional pre-tax HSA or FSA contributions), will be roughly $120 a month on my paychecks. I’m in my 20s and physically healthy, slightly elevated blood pressure, former HEAVY vaper (not for over a year now), exercise intensely 4-5 times a week (Muay Thai lol), and eat relatively well. I do, however, have to see a psychiatrist monthly (ADHD), which could run anywhere from $150-200 per appointment a month depending. I have not been sick (besides nicotine withdrawal, that was hell) in 2-3 years, but I’m sure that will change now that the world is kickstarted again. Since I’m going to be using the entire employer HSA contribution a month no matter what, it seems to just come down to whether I want to bet that I will not have any health issues or illnesses that require a doctor’s visit or specialist, and that I won’t have some kind of medical emergency. I’ve never had insurance without copays, and this whole gamble with the HSA and high deductible seems risky. Any advice? Is the risk worth the extra $120 a month? The anxiety here is stemming from worrying about my health since my dad died at 54 a few years ago. I’ve been trying to keep great tabs on my health since. submitted by /u/TotalAnarchy_ [link] [comments]Read Morer/HealthInsurance