So for the last few years I've had an HSA and been able to max out the contributions. However, I have some health problems I'd like to get addressed and I've been putting them off until I could switch to the "good" insurance in 2018 so my treatment would be covered.
I'm looking at the breakdown of cost on our various company plans and it looks like if I plan on exceeding the total out of pocket cost, any plan I choose is only going to be a couple hundred dollars difference in terms of cost to me. So should I just do the HSA again even though I'm going to get a lot of medical care next year? At least I'd get the $500 from my employer, right?
HSA Plan PPO Core PPO Buy-Up
Deductible $2,700 $1,500 $600
Coinsurance 10% 20% 10%
Out of Pocket Maximum $3,500 $2,500 $2,000
Employer Funding $500 $0 $0
Total Out of Pocket Maximum $3,000 $2,500 $2,000
Annual Employee Premiums $508 $906 $1,328
Total Out of Pocket Exp $3,508 $3,406 $3,328