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Reply to "High Deductible Health Insurance Plan"
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[quote=Anonymous]We switched to the Carefirst HDHP this year after doing a LOT of math. For us, BCBS Basic was just under $10K/year, including our FSA contributions. The HDHP will be less than $3K, with a deductible of 3300. So even if we max out our deductible, we are coming out way ahead. We are maxing the HSA account, and taking the tax advantages. Our total spend will be about $11K, so a little more than under Basic - but a much greater share of it is tax-advantaged savings, or available to us beyond this year. It is a big shift in thinking, and I was pretty cranky to pay sticker price for prescriptions in Q1. But between the prescriptions and a couple of appointments, we've hit our deductible so everything else should be inexpensive (relatively). [/quote]
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