For comparison, here are notes from the plan I chose:
"What is the overall deductible?:
$1,800 individual/$3,600 family in-network; $2,700 individual/$5,400 family out-of-network (includes prescription drugs, Mental Health and Substance Abuse). With family coverage, the entire family deductible must be met (even if one member has met the individual deductible). $350 individual/$700 family is contributed to your HSA by [my company]. Additional funding is available via earned [rewards program, up to $500]. The maximum amount you and [my company] can contribute to the HSA is $3,350 for individual coverage and from $6,650 for family coverage."
"Is there an out–of–pocket limit on my expenses?:
Yes. $5,000 individual/$10,000 family in-network; $6,500 individual/$13,000 family out-of-network (includes deductible, prescription drugs, coinsurance, Mental Health and Substance Abuse)."
I plan, at the end of this calendar year, to add up how much I spent this year on premiums that were deducted from my paycheck as well as all copays and prescriptions (Type 1 diabetic in the family) using my current EPO healthplan and then compare that next year to all the expenses with my new HSA. I'm guessing this year premiums and prescriptions will total ~ $7500. (Annual premium this year was ~ $5000, under the HSA the annual premium will be $2880). Remember that this year prescription deductibles kicked in right away; next year they won't until I hit the $3600 family in-network deductible.
It will interesting. I only hope it's not wallet-busting. I've been stocking up on insulin and other diabetes supplies for my son to weather the coming financial storm.