Originally Posted by
Denny Crane
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
I have calculated a numerous amount of scenarios for my family. Currently we are Diamond, which will turn into Silver HSA. I will change us to GOLD HSA.
If we spend the same amount of money on medical/RX in 2015 as we did in 2014, it would be cheaper by a few dollars to utilize Bronze HSA.
But, a BIG BUTT
,
If there is an extra ER visit or other Physician visits that inch upward our medical expenses for 2015 by a few hundred dollars as compared to 2014, it would be best to use the GOLD HSA.
GOLD HSA<---Higher premiums ($310/mos) but much lower deductible ($2600) and out of pocket Expenses ($2600+$5000=$7600). Also add your premiums to this for true expense.
**Delta will add $1600 to my HSA while I add another $421/month to equal the IRS limit of $6650.
Last year, it made complete sense to pick Diamond. This year, I pick Gold HSA for an insurance policy because the kids are more active.
If you are confident of your "good" health then the new BRONZE is the way to go.
TEN
Silver HSA: I assume this is just for employee so the Coinsurance is $2500 plus the deductible $2600=$5100 Max out of pocket plus premiums.
Family Silver HSA is $5000 coinsurance max plus $7800 deductible = $12800 Max out of pocket plus premiums.
IN NETWORK for Both^^^^^^