Originally Posted by
KnotSoFast
Uhhhhh, that's many, many multiples of my max out-of-pocket with a family of four.
I am really glad I didn't have that extra kid. Looks like the third kid triggers a 3X increase in max out-of-pocket family max.
Gold HSA has a 2,600 deductible after which there is a 5K co insurance max. That is 7,600, which when added to the annual premiums puts the total amount paid "out of pocket" over 11K for a family of four. If you include dental insurance, you get close to the claim of 14K per year. If you jump through a few hoops, you can get company contributions to the HSA taking the medical total down to about 10K. If you are on the HRA plan, you will pay around 12K if you qualify for all 1,600 of company contributions.