I’d love to get an opinion for selecting next year’s healthcare plan and what’d be better for us potentially?
My husband and I at the same company with separate plans but we are having a baby and it’ll make sense for us to combine. We select our new plan mid-late April with our plan effective June 1st. Baby will be here late May (while we’re separate) or June as we’re a fence sitter.
Our company is big enough where we can offer two plans. Before it was just a PPO and now we can offer a high deductible plan. Knowing the circumstance about baby above, maybe it’ll make a difference.
Background: Company pays premium for health benefits and will continue to do so. Company will contribute the max for family to the HSA.
For PPO, deductible is $300/$600 for fam and OOP will be $3000/$6000
For HSA, deductible is $2800/$5600 and OOP will be $5500/$11000
Cost estimate for a baby delivery is about $1400 and then on the HSA is $3400.
Any advice would be awesome! Let me know if I missed important information.
submitted by /u/dinals
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I’d love to get an opinion for selecting next year’s healthcare plan and what’d be better for us potentially? My husband and I at the same company with separate plans but we are having a baby and it’ll make sense for us to combine. We select our new plan mid-late April with our plan effective June 1st. Baby will be here late May (while we’re separate) or June as we’re a fence sitter. Our company is big enough where we can offer two plans. Before it was just a PPO and now we can offer a high deductible plan. Knowing the circumstance about baby above, maybe it’ll make a difference. Background: Company pays premium for health benefits and will continue to do so. Company will contribute the max for family to the HSA. For PPO, deductible is $300/$600 for fam and OOP will be $3000/$6000 For HSA, deductible is $2800/$5600 and OOP will be $5500/$11000 Cost estimate for a baby delivery is about $1400 and then on the HSA is $3400. Any advice would be awesome! Let me know if I missed important information.
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