Which Health Insurance plan is best for me?
I'm 29 and only go to the doctor if I'm seriously ill, with no regular prescriptions. I snowboard and surf, and typically choose the Anthem medium plan with an HSA for emergencies. I figure I get $1,200 of the $1,340 I spend annually back on my HSA card, which I can use for medical expenses indefinitely.
Anthem EPO: 750$ Deductible (Costs 1,940$ a year.)
Out-of-Pocket max 4,500$
No HSA
Preventative Visit covered in full
Co-insurance 20% after deductible
Office visit 30$ copay
Emergency Room 300$ copay then 20% after deductible
Urgent care 30$ copay
X-ray/Labs 20% after deductible
Anthem Medium Deductible: 3,200$ Deductible (Costs 1,340$ a year.)
Out-of-Pocket max 6,000$
Yes, HSA 1,200$ a year.
Preventative visit covered in full.
Co-insurance 30% after deductible.
Office visit 30% after deductible.
Emergency Room, Urgent Care, X-Ray and Labs 30% after deductible.
Anthem High Deductible: 6,550$ Deductible (Costs 0$ a year.)
Out-of-Pocket max 6,550$
No HSA
Preventative visits covered in full
Co-insurance and Office visits covered in full after deductible
Emergency Room, Urgent Care, X-Ray and Labs covered in full after deductible.
Kaiser High Deductible HMO: 6,000$ Deductible (Costs 1,440$ a year.)
Out-of-Pocket max 6,000$
Yes, HSA 1,200$ a year.
Preventative visits covered in full
Coinsurance and Office visits 30% after deductible.
Emergency Room. Urgent Care, X-Ray and Labs 30% after deductible.
submitted by /u/skyzsurreal
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