Sorry cannot type in Chinese... The 3rd one. Let's assume you were going to hit the max oop based on what you said above, then the total cost for each plan would be 6044, 5812, 4272 and 5756 - that is just simple math without factoring the benefits of HSA. With the advantages of HSA over FSA considered, it is pretty much a no brainer to choose the 3rd HSA plan.
Sorry cannot type in Chinese... The 3rd one. Let's assume you were going to hit the max oop based on what you said above, then the total cost for each plan would be 6044, 5812, 4272 and 5756 - that is just simple math without factoring the benefits of HSA. With the advantages of HSA over FSA considered, it is pretty much a no brainer to choose the 3rd HSA plan. babeelaine 发表于 2021-11-08 19:00
公司保险ENROLL年终enrollment， 我一般选Value-High-Deductible， 因为基本不看医生。明年准备做各种检查， 哪一种比较好？四种计划都不需要REFERENCE。
PPO Vaule-PPO High-Deductible Value-High-Deductible
Anual premium 2544 1812 1272 756 Anual Deductible 750 1250 1500 3000 Max OOP 3500 4000 3000 5000 Co-Insu 20% 30% 20% 30% Doctor visit $25/$50 $25/$50 20% 20% Emergency $150 $250 20% 20% Outpatient Procedure 20% 30% 20% 30%
Medical Account FSA FSA HSA HSA
HSA 可以放3650， FSA放2850
The 3rd one. Let's assume you were going to hit the max oop based on what you said above, then the total cost for each plan would be 6044, 5812, 4272 and 5756 - that is just simple math without factoring the benefits of HSA. With the advantages of HSA over FSA considered, it is pretty much a no brainer to choose the 3rd HSA plan.
你的分析很有道理， 谢谢。。。