如果你家的医疗花费很少,保险折后价大概率低于$9k,那么HDHP更省钱。但如果医疗花费较多,折后价在$10k-$50k之间,尤其恰好在$30k左右,那么低自付额PPO能最多省$3k左右税前的钱,税后也有$2k到手。 我们小孩刚一岁,去年常规体检加疫苗、手足口病住院三天两晚外加三次急诊治疗,总共花费不到$5000(保险折扣真是打...
Another con of using the HDHP plan is that it may not help you with your chronic condition or frequent doctor visits. If you have to regularly visit the doctor for a chronic condition, an HDHP plan may not be the best option. You will have to pay more out of pocket for these visits...
HDHP: -$483 + $483 (HSA Contribution) = $0 (out of pocket) Total Out of Pocket & Final Results After factoring in the cost of the plan and HSA contributions, modeled (PPO) and actual (HDHP) total out of pocket costs for the year were: PPO: $1,974 HDHP: $936 So, I ended u...
HDHP (High Deductible Health Plan) An HDHP is paired with a Health Savings Account (HSA), offering low monthly premiums and higher deductibles. It’s a good option for healthy individuals who don’t expect to need much medical care throughout the year. HDHPs offer low premiums, making th...
A PPO is an arrangement with an insurance company in which a network of medical professionals and facilities provide services at reduced rates.
Many bronze plans may qualify as HDHPs depending on the deductible (see below). What doctors you can see. This varies depending on the type of plan -- HMO, POS, EPO, or PPO What you pay: Premium:An HDHP generally has a lower premium compared to other plans. ...
Can A POS Plan Be An HDHP And HSA Eligible? Yes! You can find POS plans that are HDHPs (High Deductible Health Plan) and are HSA (Health Savings Account) eligible. This can let you take advantage of using pre-tax dollars for qualified medical expenses. Using an HSA can typically resu...
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