The problem I have with the new HSA medical plans is the maximum out of pocket expenses. The deductible is in line with this year (the part we pay 100%). But, and its a big but, once we go to the 80/20 split it's way more expensive. This year the 80/20 split has us paying a maximum of $500 for a total individual max out of pocket of $3000. The way I read next years is the 80/20 split has us paying a maximum $2500 so the max out of pocket for the year is now individual max is going to be $5000.

If someone can confirm or deny my conclusions, I'd appreciate it.

I should edit this and say: This is for the comparable Diamond HSA this year and Silver HSA for next year.

Denny