DeluxeXL t1_iuipz8z wrote on October 31, 2022 at 5:07 PM

Reply to comment by bgr2258 in At what point are the benefits of an HSA outweighed by medical costs? by bgr2258

Looks like non-HDHP PPO is better for you because the out of pocket costs are lower, even if they are not tax deductible.

p.s. Your HDHP is a "new style", where deductible = OOP max. Many years ago, HDHP deductible used to be at only the legal minimum. At some point, insurance companies increased it to the OOP max, making a HDHP basically a catastrophic insurance.

wilsonhammer t1_iuiqzec wrote on October 31, 2022 at 5:14 PM

> p.s. Your HDHP is a "new style", where deductible = OOP max. Many years ago, HDHP deductible used to be at only the legal minimum. At some point, insurance companies increased it to the OOP max, making a HDHP basically a catastrophic insurance.

oh shit! I didn't catch that reviewing OPs post. one more reason for me to hate health insurance.

TheVermonster t1_iujabyd wrote on October 31, 2022 at 7:22 PM

My HDHP has $4k individual deductible, $6k family deductible, and the OOP Max is only individual at $12k.

yeah87 t1_iujs0k9 wrote on October 31, 2022 at 9:23 PM

The legal OOP max for 2022 is $8,700.

yeah87 t1_iujrrjy wrote on October 31, 2022 at 9:22 PM

There's quite a bit of room between the legal minimum and the OOP max. My deductible has been right in the middle for the past 10 years of HDHP.