will the HD-DPMP qualify for the $2400 “Delta Dollars” toward the HSA in 2024?

 

Would like some advice from the folks who are more experienced with this insurance stuff than I am. My situation is that I am married with no kids yet. We are young, and I am pretty healthy, but my wife has some recurring health issues. Nothing too crazy, but enough that she is at the doctor a lot. We also might be thinking about kids sometime next year.

Looking at the Gold vs. Silver HSA, I am struggling to find a reason to not pick silver. If I were doing family then sure, the OOPM is way higher on silver. But for just the two of us, they have the same individual deductible, with silver having a slightly higher deductible for the two of us. It is well within the realm of possibility that my wife hits the deductible or even the OOPM, but if I took the premiums difference between gold and silver and put that towards maxing out the HSA, then it seems like I am coming out pretty far ahead. Even if I have significant health stuff pop up too, I am not coming out ahead with the gold instead of the silver, because of the higher premiums. Am I missing something? Is there some difference in level of care or what doctors are covered between the two?

I have looked at the DPMP too, but am struggling to make the math work with the higher premiums and no HSA. I wish I could find a document comparing all the plan details side by side, but I haven't been able to find one yet or maybe it isn't released yet. I am just piecing this all together from different places on open enrollment HQ.

Edit: I did find a min/max cost comparison, and both the minimum and the maximum shows lower for Silver HSA than Gold/DPMP-HD or DPMP

 

I'm pretty sure there is a tool within the benefits selection that'll tell you what's best for your situation. Just remember if you plan to have a kid anytime next year, you're going to be at the doctor A LOT. Before and after birth.

 

Yeah but that is a life event and qualifies you to change insurance options.

 

The HD-DPMP exactly mirrors the Gold HSA, including any delta reward dollars.

 

Try the Alex AI tool thing on the open enrollment site. It gives you some options to compare the plans side by side as well as estimate some costs based on your inputs (ER visits, prescriptions, etc). It does have some flaws but gives you at least a clue of what you might have to pay. For example, it didn't give me a rundown of what the DPMP would cost and it kept insisting I put my out of pocket healthcare costs towards an FSA (even though you only get a limited FSA for dental and vision on the HSA eligible plans).

The way I see it, you'll have to spend roughly $5,500 out of picket on the silver before the gold/DP-HDP is more advantageous. Based on roughly $2500 premium difference and $3000 family deductible on DP-HDP.

But yeah, you'll could get burned if you have more unexpected expenses... depends on what kind of cash and financial/health risks you want to take.

 

I don't know but would there be any negative implications to doing that?

 

Would it reset my deductible to go from employee+spouse to family in the same year?

 

I have no clue but, does it matter? You need coverage for your kid.

 

We now have 10 plans to choose from? I think the way to look at insurance these days is to consider it catastrophic insurance only. Plan on paying for everything out of pocket, do the shoebox HSA to stash away for retirement and pick the lowest HSA plan.