Re:I'm a Former Surgeon General and I Couldn't Believe My $1...
by giantg2 on Sunday May 19, 2024 @10:17PM
(#40411491)
I like my HDHP. It's honestly not that much different than the other plans my employer offers. They all have large deductibles in my opinion. It's great because my premiums are lower and I contribute to an HSA. The deductible is only about $2k higher than the other plans. And yes, I have used it. I've hit my maximum out of pocket cap multiple years with it. I would have hit that cap under the other plans as well.
Now, that might change as I get older and I need care for chronic conditions that wouldn't hit the out of pocket max but would be above the deductible. And they aren't right for everyone - you need to be making enough to max out your HSA. Companies pushing low wage earners into them are probably predatory.
Now, that might change as I get older and I need care for chronic conditions that wouldn't hit the out of pocket max but would be above the deductible. And they aren't right for everyone - you need to be making enough to max out your HSA. Companies pushing low wage earners into them are probably predatory.