Hi all - I am interested in this topic too. I have been wanting to switch over to HDHP/HSA because I am the type who literally never goes to the doctor and to pay the higher monthly cost for a normal plan is silly for me.

But, my husband and I talk about maybe potentially having a child in the next couple years (vague, I know). I don't want to steal mrigney's thread, and sorry for being relatively ignorant on the topic, but can someone explain exactly how to "run the numbers" to see how we'd fare either way, assuming normal pregnancy appointments and giving birth is my only medical expense of the entire year (I realize that's unrealistic, but just want to keep it simple). My company also just announced today that they'd provide an employer contribution for people with HSA, but haven't said how much. I admit that I am not super knowledgeable on medical costs, etc. Thanks!

Consider your TOTAL annual out of pocket maximum expenses. This includes:

- premiums

- deductible(s) (you pay 100% until meet deductible, then co-insurance)

- co-insurance (up to out of pocket max)

Note the out of pocket max quoted in your plan literature typically includes deductibles but DOES NOT include premiums.

An example:

1) PPO option

- $300 premium/month

- $500 medical care deductible, then 85% co-insurance

- $1000 out of pocket individual max

Say the total insurance charge for pregnancy and deliver is $5,000 (I'm not saying that's accurate in any way). You pay the first $500 to meet your deductible, leaving a bill of $4,500 that is covered at 85%. Your charge for that would be $675, but $500 + $675 = $1175, which is more than your out of pocket max, so the charge to you would be $1,000. Your TOTAL spending for the year would be $3,600 premiums + $1,000 birth = $4,600.

2) HDHP option

- $30 premium/month

- $2,500 individual deductible, then 85% co-insurance

- $4,000 individual out of pocket max

Total insurance charge is still $5,000. You pay the first $2,500, then 15% on the last $2,500, or $375 for a total pregnancy/delivery bill of $2,875 out of your pocket. Add in the premiums for the year, and your TOTAL spending for the year would be $360 premiums + $2,875 birth = $3,235.

I just made up all these numbers, and I didn't intentionally make the HDHP better, that's just the way it worked out here.