The benefit of the HSA is a tax benefit. This is largest if you want more tax advantaged account space and can't make use of an FSA. Based on your marginal tax rate you can calculate this. This could shift the numbers by 2-3k.
I'd look at the network differences. You may care about having a PPO vs an HMO for example, or coverage while traveling, or particular providers.
How did you get the $18k value? How consistent do you expect that to be? Is that what was billed to insurance? Even with a HDHP, you would not have to pay that amount due to negotiated rates with the insurance company.
I'd look at the network differences. You may care about having a PPO vs an HMO for example, or coverage while traveling, or particular providers.
How did you get the $18k value? How consistent do you expect that to be? Is that what was billed to insurance? Even with a HDHP, you would not have to pay that amount due to negotiated rates with the insurance company.
Statistics: Posted by AnEngineer — Thu Jun 27, 2024 12:19 am — Replies 7 — Views 432
