Originally Posted by
J586
So the consumer plan is a choice? Or an addition.
What would be the incentive to have CDHP?
CDHPs are additional choices. You have the Buy-Up we've always had, and you have CDHP Purple (90% payments to deductible) and CHDP Orange (80% payments to deductible)
as new choices.
Benefits of the CDHP in our TA: Lower premiums for starters. Maybe someone who has a spouse with health insurance or someone with Tricare from the military would like CDHP. And, with CDHP you get $2000 single or $4000 in an HSA/HRA to help pay ... and if you don't use the monies in your HSA/HRA, they rollover and grow at 4% a month. Last, you can get $300 back for yourself and another $300 back for your spouse if you participate in a wellness visit/program.
I like having the option as the Buy-Up as it exists now is completely preserved with two changes. 1) the co-pays for Rx drug coverage are increased and 2) there's that elephant in the room where the premiums are an unknown amount based on 18% of FedEx yearly cost as figured out October 1, 2017.