Originally Posted by Car Ramrod

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.