I had a state employer where the HDHP plan was $20/month less (for a family) AND it had higher deductibles. They did give $50/month into the HSA. I did not use the HDHP/HSA plan with that employer, and I'm not sure if anyone did.I'm have the opposite problem. The HSA eligible PPO health plan has the highest premium AND OOP max for the highest earning group. Compare to my current HMO, it is 70% higher premium and 100+% higher OOP max. Compare to the most expensive non-HSA PPO plan, its premium increases disproportionately, and over takes the it for the highest group. I know HDHP is not a given for HSA. I'm trying to understand why would my employer offer this. It seems to me they are trying to discourage people choosing it.I'm in the same situation, its enrollment time and I have the HSA option, my family max OOP is also less than the non-HSA, unfortunately my deductibles aren't as friendly as yours. For me I think it works if I max the HSA contributions, if I couldn't do that then maybe its not so great in my situation. You'll have to do the math to see where things break if you're not going to max the HSA contribution.
Statistics: Posted by cowbman — Wed Oct 30, 2024 1:31 am — Replies 14 — Views 1190