Hey guys,
First post here, and I have a question about health insurance at my employer. I just got hired at a startup and am in the process of selecting a health care plan. I've read about HDHP and PPOs and most people seem to say an HDHP is the way to go. However, my employer pays $325 in healthcare premiums to cover our base plan, the Aetna PPO 2000, which is the default plan for all employees. However, I can also choose the Aetna HDHP 2000, which is cheaper than the PPO plan, so it is covered, but I don't get money back that my employer would have otherwise had to pay if I selected the default Aetna PPO 2000. The only advantage seems to be the HSA that I can create. I'm a young adult in my early twenties, and I am generally healthy, but I do go to the doctor for annual checkups and occasional sickness, but nothing serious. I also go to the dentist semi annually and check my vision annually and plan to buy prescription eyewear on a annual basis. What would be the best plan for me?
Here are the pricing plans:
Aetna HDHP 2000 Northeast $302.00
Aetna HMO 20 Northeast $849.00
Aetna HMO 30 Northeast $732.00
Aetna POS 20 Northeast $517.00
Aetna POS 30 Northeast $485.00
Aetna PPO 1000 Northeast $375.00
Aetna PPO 1500 Northeast $349.00
Aetna PPO 2000 Northeast $325.00
Aetna PPO 750 Northeast $420.00