Ladies - talk to me about health insurance. My husband has great PPO options, and we usually go with that, but curious about the HSA accounts with high deductibles as well. I honestly haven’t...

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HSA’s are typically better for people without families. It takes a while to put aside enough money in the HSA to cover the higher out of pocket costs with the high deductible plan. I personally view them as something good to start early in your career so you can build up the HSA. With a family of four I wouldn’t risk it.

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We are a family of 5 with kids in daycare-middle school. We’ve done the HSA for several years. I met my individual deductible this year due to some physical therapy but we haven’t met our family deductible. We are all generally healthy and the kids get their well visits every year. We use the HSA to pay towards an out of network pediatric dentist that we really like, some basic prescriptions, and typically 1-2 eyeglass/lens prescriptions in a year.
I like the HSA because we can carry over $ every year and earn interest. It is a savings vehicle whereas the FSA used to stress me out estimating the right amount of money to use or lose. Of course there’s a risk that you may need some expensive procedure or some surprise comes up, but I’m betting that after a few years we’ll have a good amount saved in HSA that can keep growing even if we have to draw more from it in a given year.

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A PPO can also be an HDP that carries a high deductible and thus be eligible for an HSA. Most health plans nowadays are PPOs, meaning that you get better coverage when you use the plan’s “preferred provider” network. If you want the continuity of care that comes from being able to see the same docs you already know and trust, then look at the provider directories for the plans being offered and see how many of your current docs participate in each. Also evaluate what your total costs will be for each plan — premiums + out-of-pocket max (which should include all deductibles, co-pays, and co-insurance, plus any amounts that might not be covered like PT visits in excess of your allowed number).

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Had time to research, but what do you have? Do you like it? We are a family of 4 - 2 young kids, I have had some health issues in the past, which have been better 🤞🏻the last few years. Kids are pretty “normal” in terms of healthcare, and husband has had some back issues. We usually have some physical therapy and a bunch of prescriptions.
Is it worth looking into HSA, or better to have the “safe” option with the PPO?

And we met our out of pocket max ($3000) within the first 6 months of the year.

Thanks ladies! This is all super helpful

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