Originally Posted by
Vsop
excellent post. I just expand on the “expensive prescriptions” portion of who benefits from DPMP. My wife needed fertility drugs. DPMP saved me well over $10,000. If you or your significant other find yourself in that situation, it is very beneficial to use the DPMP.
I’m glad you got those savings!
What people sometimes forget is that they’re only ~12 months maximum (and often much less) from changing over to DPMP. There’s a break even point where even if you’re stuck paying surprise prescription charges toward the end of the year, you still made out ahead by having HSA deposits and Silver HSA premiums for the whole year. If you KNOW you have prescriptions that do better under DPMP, of course go for it. But hedging against the POSSIBILITY of large bills lasting long enough throughout the benefit year to offset the huge DPMP premiums is pretty expensive. Do that for a few years with no surprises arising and you’ve spent a buttload of money you’ll never get back.