{ "media_type": "text", "post_content": "Looked at the email about the healthcare options. It said 22k is the break even for choosing between LDP and HDP. I don't get where that # comes from. Sorry not a finance person. Explanation?", "post_id": "59107053062af00011ec096e", "reply_count": 5, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

Looked at the email about the healthcare options. It said 22k is the break even for choosing between LDP and HDP. I don't get where that # comes from. Sorry not a finance person. Explanation?

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Just seems high, if you pay all the deductible for each and add up the premium costs, and subtract the HSA PwC gives you, it's around 3500 for all of them

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That means if you have medicinal issues that could reach 22k+, go with LDP. If you are sub 22K, LDP with HSA. This all disregards extreme accidents, but mainly is about people with pre existing conditions, live a risky life, fat with high chance for diabetes/high bp

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I think they are encouraging use of hdp. It maximizes hsa as a tax vehicle for you and the firm.

HDP are only good for middle class without pre excising conditions. This goes for any industry.

The highest maximum out of pocket cost is 5400 for single so I don't quite get where the other around 15k comes from?

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