Originally Posted by
forgot to bid
WHOA!
So what's the point of that plan now? $4500 + 10% thereafter? The goal was, as Slow mentioned, hit $4500 (mostly out of pocket unless incurred at the end of the year) and be done. $375/mo and $300 after tax deduction? Now if you're kid goes in for a $23,500 bill as Slow mentioned (or a typical broken arm and surgery from falling from a tree which was $21,000 in the case of my niece) then you owe $4500 + 10% or $1850 and then 10% from that point forward.
You might want to review the HSA plan, because what you wrote above is wrong regarding the changes for this year.
For an individual the deductible is $2300. After that it's 90/10 up to a max out of pocket of $2800. So if you're a kid as described above, you'll pay $2800 total, and health care for that individual is free for the remainder of the year. The max out of pocket for a family was raised this year to $6000, but the individual out of pockets and deductibles still apply. Also, don't forget all Rx is included in this plan, so if you need expensive medication for a member of your family it caps your cost.
Again, I'm not defending Delta's overall health plans. They can be substantially improved. My response was to Johnso about the HSA. That plan works for me. It may not for you. But it's clear that a lot of people posting on this topic have no clue how the plan they're complaining about works.