I am trying to figure out the best healthcare plan to pick for next year. My wife is pregnant and due in April. My company's open enrolment just started and I'm not sure what to pick. This is the first year of HSA basic but I normally pick the regular HSA over the PPO since we dont go to the doctors too often (knock on wood). I have maxed my HSA for the last 3 years and have 23k. If I picked either of the HSA options I would max out my HSA. But overall I do not know if it is cheaper to pick the PPO with a baby on the way. Any help would be appreciated.
HSA Basic: Premium: $176 yearly / 2500 individual 5000 family deductible / 20% coinsurance after deductible / annual out of pocket max 3500 individual 7000 family
HSA: Premium: $3677 yearly / 1500 individual 3000 family deductible / 20% coinsurance after deductible / annual out of pocket max 3500 individual 7000 family but company contributes 2000 to hsa
PPO: $5,288.40 yearly / 800 individual 1600 family deductible / 15% coinsurance after deductible / annual out of pocket max 3500 individual 7000 family but there is 25$ copay primary, 40 specialist, 75 urgent care
Submitted October 28, 2020 at 10:32PM by Dangerous-Stage-4153 https://ift.tt/3muVsAn
