So, I feel like I must be missing something here. I am trying to choose coverage for me and my family through my work which offers United Healthcare. There are like 25 plans, but I've narrowed it down to 2 different ones.
Some info: I get paid semi-monthly and I have family, 2 adults / 2 children
Plan A: Core PPO Silver HDHP w/Motion 2550/40% Plan
- $479.03 / pay period
- $2,550 individual deductible / $6,850 Individual OOP
- $2,800 Family deductible / $13,700 Family OOP
- 40% After Deductible
- PCP / Specialist / Urgent Care: 40%
Plan B: Core PPO Gold 30/30%
- $569.86 / pay period
- $0 individual deductible / $7,800 individual OOP
- $0 family deductible / $15,600 OOP
- PCP / Specialist / Urgent Care: $30 / $60 / $75
So I'm paying $181.66 x 12 months = $2,179.22In my view, I could still pay that amount, but to myself in an HSA account instead of in premium.
So, lets say I get billed $2,550 on both plans:Plan A: I must pay all $2,550 to meet the deductible, however, I saved up $2,179 over the course of the year, leaving me with $360 out my own pocket in additionPlan B: I must pay 30% of $2,550, so $2,550*0.3 = $765
Plus, when calculating the total medical $$$ required to meet the OOP, you end up paying twice as much on the no deductible plan as the HSA plan.
Am I missing something or does the HSA plan seem better?
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