Reply to Is HSA preferrable over regular health insurance plans?

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[quote=Anonymous][quote=Anonymous]So if you take a high cost medicine like Humira, the full cost of it comes out the first month of the year? Cash price for it is 9400$ with my current PPO insurance, copay 100$, and I pay 5$ with a copay card. 
Because of this I have always been afraid of an HDHP. My spouse is on his own HDHP/HSA with 0$ premium, and me and the kids are on my traditional PPO insurance thru my employer.[/quote]

I’m the PP with the husband with high med costs. That’s basically l how it works for us.  Though we don’t pay the full cost of his meds in January, just the deductible (full cost is something like $8K, but we just pay our $4K deductible). I misspoke above and forgot to mention there’s a $10 copay per month for his meds after we hit the deductible. Again, it will depend on the plan. If your plan makes you pay a percentage of meds after the deductible, then you will pay that amount until you hit your annual OOP max. But for us, it’s just the deductible in January and then the $10 copay for the rest of the year. And all of our other costs - kids’ sick visits, my own minor meds, etc - for the rest of the year are fully covered. [/quote]

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