HSA eligible account will cost me $90 a month, while a next cheapest policy (not HSA eligible) will cost me $50 a month.
Those are the insurance premiums for each. What are the other costs & benefits (e.g., deductibles, max out-of-pocket, co-pays, what is/isn't covered, etc.)?
HSA - $90/month Premium
$3000 deductible
$6350 Out-of-pocket Max
$30 Physician co-pay
$60 Specialist co-pay
$500 inpatient hospital co-pay
$30 lab / $125 xray / $300 complex imaging - Outpatient diagnostic
$300 ER co-pay
$75 Walk-in urgent care
Non-HSA - $50/Month Premium - I don't think my office contributes to the HSA
$6600 deductible
$6600 Out-of-pocket Max
$25 Physician co-pay
$75 Specialist co-pay
$0 inpatient hospital co-pay
$0 for all Outpatient diagnostic
$0 ER co-pay
$75 Walk-in Urgent Care (does that mean I would be better off going to the ER than an urgent care facility?)
Free policy - $0/Month Premium
$5000 deductible
$6600 Out-of-pocket Max
$40 Physician co-pay
$60 Specialist co-pay
$750 inpatient hospital co-pay
$0 lab / $0 xray / $350 complex imaging - Outpatient diagnostic
$350 ER co-pay
$75 Walk-in urgent care
What seems best? I'm late 20's and don't have any known health problems. I havent been to the doctor in a couple years but I will go for a physicians check up while i'm under my current policy soon. Im think the free policy unless there is any reason to go with the HSA. I anticipate I will get a physical and some blood work done in the year.