Originally Posted by
gonyon
So I am just looking at this now for my family. There has to be a down side to this right? It seems silly to get another plan otherwise.
At face value it seems even if we have a "bad year" as you say we still come in under the amount we would have paid in premiums for the posb plan.
This is all assuming we don't change our habits of pretty much only going to medical services for illness, injury and check ups
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I signed up thinking the same thing: that there has to be a catch. After all we work at Spirit. But we couldn't find one. We are only ~$400 shy of meeting our max out of pocket for the year and have no issues with coverage so far. She has used both in-network and out-of-network doctors. You will be responsible for the difference of the $3000 HRA and your deductible of $4500 but the savings of the premiums for the diamond plan vs the A or B plan more than covers that $1500 difference. Plus you can roll that HRA money into following years if u don't use it.