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FAR, what a pain..that’s all
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Go with the plan with the lowest out of pocket cost + premiums, assuming coverage is the same. I prefer a PPO over anything that locks me into in-network providers only, and an HDHP so I can use my HSA as another retirement account.
My kiddos were ill a lot the first few years but we rarely went to the doctor because it was all stuff we could handle at home.
I have a PPO HDHP. The PPO specifies that you will have in network and out of network coverage (likely at different rates) and the HDHP specifies that it’s a high deductible plan.
Typically out of pocket max for HDHP is more than that for a non-HDHP, and a higher deductible
Run a model based on different scenarios using each plan. I was really nervous about switching to a HDHP, but when I ran the models based on our top options, the conclusion was that if we had a lot of medical expenses in a year, the total spend (premiums + out of pocket) would be pretty equivalent. But in a year that we didn't have a lot of medical expenses, we'd save a ton with the HDHP because we'd only pay the premiums. So, no downside in a bad year, but a huge upside in a good year. We went with the HDHP. But definitely do some analysis based on the actual plans you're considering. Your details may add up differently.
I went HDHP so I could contribute to an HSA
Always HDHP
If you do the math assuming a high expense year like $30k the out of pockets to you are basically identical. Insurers know how to price things. So there’s a slight advantage in that case for the tax savings. In a low expense year, you get to keep your HSA funds so it’s the clear winner then.