Which plan???

Hey everyone, my head is spinning, I have a lot of options. In general wife and I are healthy, no ongoing medications or recurring appointments.

Her company offers an HRA, $6k towards medical expenses per year for a family. 10k OOPM including deductible. Physicals, labs, x rays, and screenings are 0$

Office visits are 20% after deductible along with most other things

My insurance is going to be $326/ month for regular vs $246/month for the HSA plan. The HSA has up to 1700 of funding for meeting goals (appointments)

It’s also 80/20 after meeting the deductible but the deductible is 350 per individual for the legacy and 3200 for the HSA

OOPM is 6700-12700 on the legacy and 7000 on the hsa

Drugs are similar, wife’s dental/vision is better

One point of interest is my company is self insured and we have a lot of problems getting things covered that seem like common sense because the company has an administrator that is basically and auto deny. Wife’s company uses United also but they aren’t self insured from what I gather.

My instinct says go with my wife’s HRA, but I really have no idea. Please roast me for this ridiculously confusing post!

submitted by /u/HandFlyorDie
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