I’d like to show the comparison between plan B and the diamond HRA plan. With a flexible spending account added to the diamond plan I don’t see a scenario that makes plan B better, except if you were on some really expensive meds that are not generic.

Plan B: Family cost $9654.96 out of checks
Family Deductible $750 Out of pocket max $3000
$11 copay per doc visit, 0% coinsurance

Diamond: Family cost $4227.60 out of checks
Family deductible $4500 max out of pocket $7500
$3000 HRA fund paid by company
No copay but 10% coinsurance up to out of pocket max

The diamond plan saves a family $5427.36 per year over plan B. Even with a medical nightmare year where you get 100k bills the diamond costs less. In this scenario Diamond total costs $8727.60 (with up to $2700 of that in a pre tax FSA) vs plan B at $12654.96