I got an offer! Looking at healthcare plans. I’m a 26 year old healthy male with no conditions. Thoughts on doing Anthem gHIP vs Anthem PPO?

likeuplifting
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gHIP gets you the Google HSA contribution, and your own HSA contributions are triple-tax-advantaged (pre-tax contributions, plus tax-free growth, plus tax-free withdrawal if it’s for qualified medical expenses). Just let it grow to 22X over 40 yrs if it compounds at 8%/yr.

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You get taxed on the growth of your HSA in California, FYI.

I now have two kids so I'm on the PPO, but the comparison I made in the past was: the monthly PPO premium x 12, vs the max out of pocket for the gHIP.

It always came out that the Ghip's *worst* case scenario was never all that much costlier than the PPO's table-stakes minimum premiums buy-in.

(Though it is nice now to never worry on a case-by-case basis, do I *really* need a doctor for this?)

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Yeah really that's the big thing - especially with kids. It's best to keep it simple with kids and get the PPO.

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Congrats!! How long did it take to hear your results after your onsites?

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5 days to 2 weeks; there are many variables - how quickly your reviewers submit feedback, how many other candidates there are, how quickly your recruiter is able to meet with you...

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gHip.

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ghip!

gHIP. Worst case scenario you're down a few hundred bucks, best case scenario you're ahead by thousands.

Actual coverage/providers are identical AFAIK.

Even with kids and some medical issues, I've still found that gHip + maxing out HSA is worth it

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