I have several different options available to me for healthcare: an HMO (3 different options), a Standard PPO (3 different options), and a High PPO (also 3 different options). We are currently under one of the High PPO options which we are currently paying $180/pay (26 pays). To stay on that same plan it's going up to $202/pay. It really is a cadillac of plans, after having read a bunch of MMM over the last month or so, I'm really questioning our need to spend that much. The Standard PPO is pretty much an 80/20 plan, where we would be responsible for 20% of the bill with a $500 deductible (for the family). The Standard PPO plan runs in the ballpark of $135/pay.
Then there's the HMO plans, which come in at around $55/pay. Quite a bit of savings potential here. I'm just really concerned about the trade-offs. On the surface, it seems to be an even better deal - the kids' pediatrician accepts it, the co-pays for standard office visits are $5 (vs $10 for the High plan and $25 for the Standard). But I have 2 teenage girls involved in sports year-round, have already had some broken bones and dislocations to deal with, and I'm concerned about the level of care offered by HMO's in general. I know I need to investigate this plan a bit further in detail, but I guess I'm just looking for some general guidance or opinions on HMO's. Wife and I are in general OK health, although we're pushing the limit and need to get ourselves on track with better eating and exercise.
AFAIK, none of our options allow for HSA access, nor high-deductible type plans that seem to be favored by MMM himself. Personally, I'm mostly ready to make the leap, but the Mrs. buys into the fear and will be a tough sell....