Offered two plans by a new employer:
Plan Annual premium Deductible Max out of pocket HDHP+HSA $1,200 $3,700 $6,500 PPO $6,700 $950 $5,000
The co-pay is largely the same, with the exception of:
Generic drugs: flat $10 for PPO vs. %20 in HDHP. Office visit: flat $30 and $50 (PCP/specialist) for PPO vs. 20% for HDHP.
However, in all scenarios I simulated HDHP comes out cheaper because of the very high monthly premium.
We are largely healthy (fortunately) but do use office visits, so we do not expect to reach the max out-of-pocket.
Is there something I am missing?
submitted by /u/CacheMeUp
[link] [comments]Offered two plans by a new employer: Plan Annual premium Deductible Max out of pocket HDHP+HSA $1,200 $3,700 $6,500 PPO $6,700 $950 $5,000 The co-pay is largely the same, with the exception of: Generic drugs: flat $10 for PPO vs. %20 in HDHP. Office visit: flat $30 and $50 (PCP/specialist) for PPO vs. 20% for HDHP. However, in all scenarios I simulated HDHP comes out cheaper because of the very high monthly premium. We are largely healthy (fortunately) but do use office visits, so we do not expect to reach the max out-of-pocket. Is there something I am missing? submitted by /u/CacheMeUp [link] [comments]Read Morer/HealthInsurance