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Subliminallly_cool OP t1_jefugml wrote

Reply to comment by shadow_chance in HSA vs PPO Health Plan for upcoming pregnancy? by Subliminallly_cool

Sorry can you elaborate?

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shadow_chance t1_jefw5ir wrote

Sorry I did the math wrong but it's still the overall right answer.

Before you even use any healthcare, you're saving $1844/year in paycheck premiums. Then your employer is giving you $1800/year in HSA contributions.

So you're up $3644 before you ever see a doctor.

In 2024 99% % chance to hit your OOP max. So on the HDHP you're going to pay $3360 in premiums and $6800 for care. Minus the $1800 you got from your employer. Total spend $8,360.

If you take the PPO, total spend $12,204.

The math may be different for 2023 since you won't hit your OPP max most likely but I sort of doubt it. The premium savings and HSA contribution will cover a good chunk of regular medical you care you may get before you're pregnant.

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