Could anyone guide me what's the difference between hdhp and ppo health insurance? Which of the below would be a better choice for a young and healthy person and why-->

Ppo highest plan- 220 per month premium, 20-50 bucks copay, deductible- 1500, 90% covered after meeting the deductible

Hdhp- 90 per month premium, 20-50 bucks copay usually, deductible is 3000 bucks, 100% covered after meeting the deductible

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Does the PPO have an FSA and the HDHP plan have an HSA account?

It’s a choice between

A) pay more upfront (220 pm)and get lower costs out-of-pocket (1500 deductible) OR
B) pay lower upfront (90 pm) and higher out of pocket (3000 deductible)

Also with an HSA you can rollover unused funds but with an FSA you have to “estimate” how much your out of pocket costs will be and you have a use-it-or-lose-it provision.

You mention you are young and healthy so recommed the HDHP and fully fund the HSA.

likehelpful

Such a helpful answer!!

Thanks for the in depth info! I'm currently on an h1b visa, so I'll definitely try to take that into account as well. :)

Thanks a bunch! 😀

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