HDHP vs PPO with same premium cost. Is having HDHP with the HSA worth having for retirement savings?

New to employee health insurance and have these two options. HDHP with HSA or PPO with no option for HSA just FSA

If it helps I’m Generally healthy, no kids, no spouse

Employee premium cost for both plans are the same and both plans have preventative services covered 100%.

So since the benefit of HDHP is the lower premium is it worth just getting the PPO without the option of a HSA? since the premiums are the same and the HDHP doesn’t cover my blood work and doctors visits except for my yearly checkup.

Just wondering if the HSA is worth it in the long run for another type of retirement help like a 401k is, nothing to fully depend on but to cushion future healthcare costs. Even though I’ll be spending more short term. Since I’ll need a doctors visit and blood work about 4 times a year around 300$ cost with HDHP (had this plan for a few months now have the option to change at the beginning of the year to a PPO with or without a FSA or keep HDHP with HSA)

Sorry if this is vague I’m not sure what else to mention about the plans. Just seems if I’m not saving money in the premium and the PPO covers so much more after copay. And maybe I can put what I’m saving into another type of personal retirement account or into savings But don’t know how much emphasis the HSA has since I don’t like the FSA not rolling over and what they just keep the money you put into it at the end of the year? Anyways thanks for any help!

submitted by /u/narcoyouth
[link] [comments]New to employee health insurance and have these two options. HDHP with HSA or PPO with no option for HSA just FSA If it helps I’m Generally healthy, no kids, no spouse Employee premium cost for both plans are the same and both plans have preventative services covered 100%. So since the benefit of HDHP is the lower premium is it worth just getting the PPO without the option of a HSA? since the premiums are the same and the HDHP doesn’t cover my blood work and doctors visits except for my yearly checkup. Just wondering if the HSA is worth it in the long run for another type of retirement help like a 401k is, nothing to fully depend on but to cushion future healthcare costs. Even though I’ll be spending more short term. Since I’ll need a doctors visit and blood work about 4 times a year around 300$ cost with HDHP (had this plan for a few months now have the option to change at the beginning of the year to a PPO with or without a FSA or keep HDHP with HSA) Sorry if this is vague I’m not sure what else to mention about the plans. Just seems if I’m not saving money in the premium and the PPO covers so much more after copay. And maybe I can put what I’m saving into another type of personal retirement account or into savings But don’t know how much emphasis the HSA has since I don’t like the FSA not rolling over and what they just keep the money you put into it at the end of the year? Anyways thanks for any help! submitted by /u/narcoyouth [link] [comments]Read Morer/HealthInsurance

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