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 Post subject: Insurance Question: HDHP vs PPO
PostPosted: Wed Mar 25, 2015 7:13 pm 
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Tofu Pup

Joined: Fri Jan 16, 2015 8:35 am
Posts: 5
Location: Nashville
Can you help me choose?

PPO
Employee premium: 40$ per month
Deductible: 4000$
Coinsurance: 30%
Max OOP: 6600$

HDHP
Employee premium: 0$
Deductible: 5000$
Coinsurance: 100%
Max OOP: 5000$
Employer HSA contribution: $1200

I mostly go to the doctor for preventive care, but find myself in the doctor's office maybe twice a year for things that would cost $1000+ if I didn't currently have a traditional 80/20 plan. I am switching employers, however, and it seems best to choose the PPO, since I don't have any savings at this point (student), but coworkers are urging me to adopt the HDHP, which I have no experience with. What are your thoughts? I mainly worry about the fact that I would be able to contribute very little to the HSA on top of what my employer would, and I don't have savings to cover large bills until I meet my deductible. I'd love your input. Thanks!


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