Can't open the attachment (don't have excel on this comp).
- What is the deductible and the out of pocket maximum for the new HSA employer plan?
- Are you guys generally healthy outside of the pregnancy? (low rx, low hospital use?)
Option 1: Keep HSA, lower monthly premium, use $5k to hit deductible/out of pocket expenses
Option 2: Move to richer plan for 1 year, pay more each month, potentially still need $1,500 - $3,000 (?) to hit deductible
I'd take option 1 assuming you have:
- Good cash flow
- You guys are healthy
- You have cash to cover your deductible and out of pocket maximums for 1 year
You can always switch to a richer plan next year in open enrollment. You may even have ANOTHER open enrollment this fall. Good luck.