- Joined
- Jul 10, 2022
- Messages
- 5,306
I’m gonna say it looks like your employer provides very good coverage. Mine had deductibles higher than your HSA, with a PPO. I don’t want to say it’s a disgrace but I think a guy who had a hip replacement said it cost him like $8500 on the PPO. I was paying $650 for a family PPO “but” my deductibles and oopI do the HSA at my company - assuming everything in network:
Individual deductible: $1600
Individual OOP Max: $3,600
Family deductible: $3,200
Family OOP Max: $7,200
Company HSA contribution between $0 and $1,100 for individual; $0 and $2,200 for family depending on income.
PPO Option:
Individual deductible: $600
Individual OOP Max: $2,500
Family deductible: $1,200
Family OOP Max: $3,800
Monthly Premiums: Self/Self & Spouse/Self & Kid(s)/Family
HSA: $71/$157/$127/$226
PPO: $158/$350/$282/$502
Upfront cost savings of $3,300 for family coverage + company HSA contribution + ability to save in HSA makes me willing to roll the dice. I know some are terrible (as is some PPO coverage).
Are not like your ppo, but higher than your HSA. Terrible!
My wife going full time at the school district was a game changer. Here in PA, No deductible and $20/$40/$100 dr/specialist/emergency. $40 for hip surgery/replacement. Basically everything is $40 other than hospital stays. That’s $100 per day. A friend who is a NJ teacher and a coworker’s wife, they get $10/$15/$125. I know I should not be, but I’m envious of their $10/$15 copays…what also matters is how much the employer contributes. I bet your employer is solidly over 80%. My wife’s is 88.25%. Why it matters is when there are increases, the employer bears most of it when their contribution is high…