Same at spirit. The high deductible plan is a $4500 deductible but the company kicks in $3000 toward it into a HRA. HRA is similar to an HSA but it's not investable. It does roll over so if you don't use it and you get another $3000 added you could have your entire deductible covered and then some left over for other expenses when the plan pays a 90/10 split after the deductible is met. It's still a PPO and the savings over the expensive plan are $3600 a year in premiums. All these numbers a based on being on the family level. It is however bad for prescriptions so if we needed something regularly I might not recommend it. Otherwise no brainer IMO