Anyone on a High Deductible Health Plan for their family’s medical insurance? seems like the right option given cost and benefits but concerned I’m not thinking comprehensively. I have 2 kids - one nb

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Aren’t all plans these days HDHP? My family is on one. What are the other options? I’ve worked for three companies and all had high deductible plans as their only options

Ours is still Cadillac. No premium. No deductible.

I do it to get HSA that is used for triple tax advantaged retirement savings (no tax on contributions, growth, or withdrawal) and just pay out of pocket for current medical expenses.

Plus, the difference in the premium of HDHP compared to regular PPO is large, about $6400/yr

Same. Usually a small “hole” in the HDHP plan around $4-5k in healthcare spend where it would be more expensive. Even with kids HDHP has been right for us (when we didn’t have BCG insurance). Also, HDHP gives access to HSA which is one of the very best retirement vehicles.

I do low deductible - better cost benefit

Switched to high deductible as my kids got older

expect to pay the full deductable every year when they're young

Low deductible - never know what’s going to happen with small kids. Plus it covers all the other things in life. Worth it

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