Open enrollment HSA vs Low deductible
I did some quick math, and I believe I’m best off going with the health and savings PPO, but I would love others input in case I’m missing something!
Some additional information:
Employer will contribute $1200/yr towards HSA for family
Two young kiddos with a third baby expected middle of 2025, no huge medical concerns with anyone in family at the time
Usually able to stay in network with almost 100% of all our needs thus far, this may obviously change with anything with the new baby in 2025 and any special concerns then
Attaching screenshots below! Ultimately it seems as long as I’m comfortable cash rolling a higher deductible, I would come out on top whether I hit my deductible, hit my out of pocket max, or even if I don’t hit my deductible. But with plans for a baby in 2025, I can’t imagine I won’t hit my deductible or get darn close
Thanks in advance!