Hello everyone. I just started a new job this week and the only plans they offer are HDHP. I have never had a plan like this before, and I am now incredibly aware of just how amazing my plan at my previous employer was. I am seeking some guidance on if this is a cost-effective plan for my family.
Anyway, the plan could be for me and my 2 year old daughter or for all 3 of us. My wife is still on her own plan. We are all fairly healthy, apart from routine checkups and a trip to the doctor every once in a while for the daughter if she gets a fever or something. Also, we aren’t pregnant yet, but would like to add another child soon.
My new plan is $7,000 deductible, $7,000 max out of pocket (in network). Care is 100% covered once we hit our deductible. The monthly premium for family coverage (no extra cost for adding the wife) is $285. My initial impression on this was sticker shock at how every little thing is now going to be completely out of pocket until we hit spend $7k. Then again, my second thought was this would be a nice plan to have if catastrophe were to hit. If we had a bad year with a few ER visits, we would only pay $7k (still a lot of money though).
Company also offers a HSA, with a $7,500 max contribution. So, enough to cover the annual deductible and then some, all at pre-tax. My employer does not contribute anything to this. This rolls over annually. I have no experience with health savings accounts, but I understand that if we stay in good health we could actually build up a little nest egg in this account for a rainy day.
TLDR: I’m intrigued by the idea of having peace of mind knowing that the max I could pay on healthcare for my family any given year would be $7k. However, I am concerned that with everything now being completely out of pocket, it will add up fast compared to my old co-pay plan.
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