Originally Posted by
Trip7
Add up the cost of your regional PPO premiums plus the $15 you spent vs the HSA premiums plus the $6000.
I prefer the tax benefits and flexibility of HSAs vs paying higher premiums on PPOs and then that money is gone forever.
I am paying only about $50 less a month in premiums for the Gold HSA at Delta versus for that PPO plan at my regional. Not even a close comparison. I was spoiled beyond belief with that great plan.
Edit: after the quick math you proposed, it was $5000 cheaper at my regional for a kid. Bottom line, we have room for great improvement in our plans.