My employer in North Carolina is offering a new health insurance plan called Bind. Under this plan, apparently you’ll know the amount you’ll be charged upfront before you get care. There are no deductibles or coinsurance, just copays.
I currently have an HDHP + HSA account where I max out the HSA contribution limit every year. My employer also contributes $500 towards the HSA every year. The plan has a $2000 deductible.
With the Bind plan, I save $120. However, I lose out on the HSA benefits. I hardly ever use my HSA contributions or medical care though. I have been to the doctor once this year and my prescriptions are inexpensive.
Is it worth switching to the new Bind plan for potentially cheaper and upfront costs, or should I stick with my current HDHP + HSA plan?
submitted by /u/mowgli1703
[link] [comments]My employer in North Carolina is offering a new health insurance plan called Bind. Under this plan, apparently you’ll know the amount you’ll be charged upfront before you get care. There are no deductibles or coinsurance, just copays. I currently have an HDHP + HSA account where I max out the HSA contribution limit every year. My employer also contributes $500 towards the HSA every year. The plan has a $2000 deductible. With the Bind plan, I save $120. However, I lose out on the HSA benefits. I hardly ever use my HSA contributions or medical care though. I have been to the doctor once this year and my prescriptions are inexpensive. Is it worth switching to the new Bind plan for potentially cheaper and upfront costs, or should I stick with my current HDHP + HSA plan? submitted by /u/mowgli1703 [link] [comments]Read Morer/HealthInsurance