I did a cost analysis of all the plans my employer offers. I am trying to figure out which plan makes the most sense if we are going to have a baby. Am I reading this correctly that the HDHP (1) almost always comes out on top? I’m assuming that childbirth would likely at least hit the deductible, and possibly the OOPM. In the tax benefit calculation for the HDHP I included the $4,000 of HSA contributions that I currently make annually (family plan with spouse). P+d-t is premium +deductible-tax benefit
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I did a cost analysis of all the plans my employer offers. I am trying to figure out which plan makes the most sense if we are going to have a baby. Am I reading this correctly that the HDHP (1) almost always comes out on top? I’m assuming that childbirth would likely at least hit the deductible, and possibly the OOPM. In the tax benefit calculation for the HDHP I included the $4,000 of HSA contributions that I currently make annually (family plan with spouse). P+d-t is premium +deductible-tax benefit plan cost analysis
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