I have been contributing to a HSA the last couple years, and it’s been fine. My work contributes $1800 over the year and it hasn’t really been a problem at all.

Now I have a kid and a spouse on my insurance, and they tend to go fairly often it seems. The copay and deductible on the HDHP is a bit crazy and I’m thinking of swapping to a PPO. Is that a good idea, or is turning down the free $1800 from my work a no no?

Here is a link to the plans

  • greenteadrinker@midwest.socialEnglish
    0·
    11 months ago

    You’ll probably need to provide more details about the premiums, deductibles, and out-of-pocket maximums of PPO vs HDHP, projected healthcare costs (at least your current year costs so far), and how much you are able to stomach for the cost now vs later

    PPO might be better if you can stomach the premiums and hit your deductible early enough. HDHP might be better if you can stomach the higher deductible and reimburse yourself years down the line after your HSA has had some time to be invested and grow from its investments

    It’s hard to say without concrete numbers and only going based off thoughts and feelings