Choosing the best healthcare plan for yourself can be quite daunting, as many factors should be considered. The HDHP vs. PPO debate continues to rage on as medical benefits continue to become more confusing. Before deciding between these health plans, take a quick look at the following factors...
Premium costs are deducted automatically from your paycheck, and you cannot use an HSA to pay for them. HDHPs are generally cheaper than PPO or HMO plans, so most employer’s will charge you less for opting for them. That is what happened in my case: PPO: $1,518 (out of pocket) H...
and in a few years I would have enough to cover an annual out of pocket maximum. Plus my premiums are lower with the HDHP vs. a PPO. So it makes a lot of sense for me.
The IRS (in coordination with the Department of Health and Human Services) quietlyprovided guidancethatHSA-eligible high deductible health plans (HDHPs) consider a number of popular medical services, medications, and devices, such as insulin, inhalers, and statins as “preventative care“. For pl...
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