Any reason I should not continue to chose the HDHP?

Should we stick with the HDHP option?

We max our HSA and use it as long term savings, paying for all medical expenses out of pocket…and we have a LOT of medical expenses. For the second year in a row, we hit the OOP maximum for out of network (about $10k).

Note that because we hit our deductible, we can utilize the Limited Purpose Flexible Spending Account to its fullest tax benefit.

The PPO option costs an extra $60 every 2 weeks in premium, but then has half the deductible. It has basically the same OOP Max (slightly lower but the $60 premium increase costs more than the Max saves).

My logic is: if we were just barely going to hit the deductible, then the PPO *might* make sense and lose the HSA long term savings benefits. But since we are going be paying the delta between deductible and OOP max anyway, there's really no difference between the plans, so we should definitely go HDHP for the HSA.

What am I missing??

submitted by /u/Rippey154
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