Originally Posted by
RockyBoy
I calculate the HRA gold plan went up 8%. Nothing else changed so not sure where the 20% is coming from. I get your point though, 3% per year doesn't cut it even if healthcare didn't go up.
I switched to the Silver HRA from gold because I have almost $5000 in the HRA account....we have been very lucky the last 3 years on the healthcare costs. $99/mo for a family is good and if I have a worst case scenario disaster it will really only cost me $3000 more than the Gold after they use all my HRA money and I save $2000 in premiums. If we could roll HRA money into an HSA I would switch to one of those, but I'll lose all my HRA money so I guess I'll stay there until I use it someday.
For the newbies coming in....if you look around corporate America we still have very good, and cheap, healthcare compared to most companies. Most people will pay over $400 per month for a high deductible plan that costs us $99 for a family.
I have the DPMP plan. It went from $400 to $480. 20 percent. The gold HRA only raised the premium 8 percent, but it raised the deductible significantly. The deductible that does not count towards out of pocket expense. To me that is the same as the premium though as I have never spent less than the deductible. I will also say that the compare tool is inaccurate. It really bothers me because every year it shows the gold as being the cheapest, but when I actually look at my claims and do the math myself, I always come ahead in the dpmp. Claims seem to always be left out in the compare tool.