Originally Posted by
tennisguru
This idea comes up every year that a heavy healthcare user is going to be better off on the DPMP compared to the HSA, when in fact in most cases the opposite is true.
Some math (assuming a family plan for everything):
HSA FTW.
You forgot to take into account that Delta can change the rates/fine you while on the HSA plan for anything they think will raise the costs. Right now it is a $2400 a year premium for non-vaccinated. In 3 months it could be anything, Flu shot, Shingles shot, diabetes, overweight or get an Apple Watch and report daily exercise to the company or pay a fee. Only the DPMP plan has contract protections in it. Sounds crazy but 2 years ago the world we are living in today would be unimaginable. The company has not released a single number justifying their fines. Buyer be aware with the HSA plans. Also, HSA funds multiple times have not shown in my account and the 800 number at Delta couldn't help. Just gave up trying to collect funds multiple years - the amount of time it would take to track down the money in the end wasn't worth it.