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zk2997 OP t1_iyafze1 wrote

Reply to comment by trutheality in I don't see the point of my employer's HDHP /w HSA compared to the PPO plan by zk2997

They don’t mention an employer contribution in the benefits guide.

I guess it’s worth it if I’m maxing out the HSA and have funds to cover the higher deductible and out of pocket maximum but I’m not even maxing out my 401(k) yet so I think the PPO is better right now. I guess I’m fortunate that the premium and everything else is very affordable.

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ninjewz t1_iyb21eo wrote

You don't have to be maxing out your 401k before investing elsewhere. By priority it goes 401k match -> max HSA -> max Roth IRA -> max 401k.

Your PPO looks way better though so it'll be up to you if you think access to the HSA is worth it.

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