zk2997 OP t1_iyae82i wrote on November 29, 2022 at 10:55 PM

Reply to comment by 100tnouccayawaworht in I don't see the point of my employer's HDHP /w HSA compared to the PPO plan by zk2997

Thanks. Really good reply. I’ve only ever had benefits at this company so I have nothing to compare it to. I didn’t realize that there’s usually a very high discrepancy in premiums.

The numbers seem better for the PPO plan and I’m also pretty far from maxing my 401(k), so I think I should focus on that goal first. I can definitely see how an HSA would be a good way to “boost” pre-tax savings beyond that though.

AustinLurkerDude t1_iyaqt2b wrote on November 30, 2022 at 12:26 AM

When I first started working my current company, the PPO had a $0 deductible and $10 co-pay. Now the deductible is almost as much as the HDCP plan and the premium is 2-3X the HDCP plan.

There's no set and fast rule on which is better because there's no consistency in the plans between companies. Really messed up system designed to lock you into an employer.