what health insurance is better for a single young male ?
I am in the US, just started a new job and I have no idea about health insurance I go to the doctor maybe once or twice a year (hopefully stays that way). Any help will be appreciated
Health Option 1: Health Choice HRA Option 1
• Deductible: $800 (network and non-network)
• Out-of-Pocket Limit: $1,800
• Preventive Care: Covered before meeting the deductible
• Coinsurance:
• In-network: 20%
• Out-of-network: 40%
• Prescription Drugs:
• Generic: $12 copay
• Preferred brand: 30% coinsurance
• Specialty: $30 copay
• Weekly Premium: $35.71
• Additional Benefits:
• HRA (Health Reimbursement Arrangement): Company-funded, with a $500 contribution at the start of the year.
• FSA (Flexible Spending Account): Maximum contribution of $2,850, with a maximum rollover of $500.
Health Option 2: Health Choice HRA Option 2
• Deductible: $1,200 (network and non-network)
• Out-of-Pocket Limit: $2,700
• Preventive Care: Covered before meeting the deductible
• Coinsurance:
• In-network: 20%
• Out-of-network: 40%
• Prescription Drugs:
• Generic: $12 copay
• Preferred brand: 30% coinsurance
• Specialty: $30 copay
• Weekly Premium: $23.39
• Additional Benefits:
• HRA (Health Reimbursement Arrangement): Company-funded, with a $500 contribution at the start of the year.
• FSA (Flexible Spending Account): Maximum contribution of $2,850, with a maximum rollover of $500.
Health Option 3: Health Choice HSA Option 3
• Deductible: $1,600 (network and non-network)
• Out-of-Pocket Limit: $3,600
• Preventive Care: Covered before meeting the deductible
• Coinsurance:
• In-network: 20%
• Out-of-network: 40%
• Prescription Drugs:
• Generic: $12 copay
• Preferred brand: 30% coinsurance
• Specialty: $30 copay
• Weekly Premium: Included (no additional cost)
• Additional Benefits:
• HSA (Health Savings Account): You can contribute up to $3,850 annually, with full annual rollover of unused funds.
submitted by /u/Imaginary-Ad3548
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