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@wendy1948 Why a premium 18 times a year??? Did you mean to say 12 (monthly) or 26 (biweekly) or 24 (bimonthly)? Plan A: $121.39 x 18 times a year = $2,185.02 + $8,250 OOP max = $10,435.02 total possible annual cost (family deductible $5,000, employer HSA contribution $660.06) Plan B: $208.42...

@timofish It certainly can't hurt to appeal this. What was the dollar amount of the charges?

@dincali These are your possible annual total in-network costs. Please note that any co-pays do not go toward deductible, but do go toward your OOP max. UHC Base PPO: Ann Prem $2,717.78 + OOP Max $6,000 = $8,717.78 (Ded $1,250/co-pay $35) UHC Buy-Up PPO: Ann Prem $3,118.70 + OOP Max $3,000...

@eddiebeltran What are you currently doing now for health insurance?

@bill34 Are those monthly premiums? Or annual premiums? Before the tax credit or after tax credit?

@wewg5490 I highly doubt you would have coverage outside of the U.S.

@babylee Numbers based on 26 pay periods and in-network. I'm not sure where the estimated OOP max cost of $0 is coming from? Plan 1 will possibly cost $4,531.94 and you'll be paying everything out-of-pocket up to the $3,500 deductible/oop max. Plan 2 will possibly cost $4,952.10 and you'll...

@john919 Staying in-network, the following are in order from least expensive to more expensive--just did the top 3: 1st: UHC Plus 1000 Annual Premium: $6,977.40 + $4,500 OOP max = $11,477.40 total possible annual cost ($1,000 deductible) 2nd: UHC Primary Adv. 5000 Annual Premium...

@sarath Then your deductible should reset on January 1, 2024.

@sarath What??? The benefit plan year for marketplace plans run from January 1 to December 31. When you looked at your insurance portal, what dates does it have for your plan year? I'm assuming January 1-December 31, 2023.

@nmeckert I do not think, but double check, that you are eligible for Tricare anymore as you left the military 3 years ago. You would have had to get temporary health insurance back then when you left. Here's more info: https://www.tricare.mil/LifeEvents/Separating However, it is open...

@servant1021 We didn't start putting money in until we were much older than you, so you have much more time. If referring to one year, probably not, although it depends on what investments are offered within the HSA, how the markets are doing, what you ultimately decide to invest in, and if...

@littie Based on 24 paychecks and family in-network coverage: OAP: Annual Premium $5,261.16 + $9,900 OOP max = $15,151.15 ($3,100 ded) Core HDHP: Annual Premium $4585.20 + $7,100 OOP max = $11,685.20, less the $2,618 company HSA contribution, so basically $9,067.20 ($4,000 ded) Alternate...

@servant1021 Well, the $4,150 you plan on contributing to the HSA would be a tax benefit for you as it would reduce your gross income, even if you end up spending out of the HSA as you go along, you will still get that tax benefit. Am assuming that your doctor(s)/specialist, local urgent care...

@tater929 COBRA is your solution to closing the gap. You may be eligible for COBRA coverage if you work for an employer with 20 or more employees; COBRA is a continuation of your current insurance. It is expensive as you have to pay the full cost of the insurance. Your employer will send you...

@littie I'm sorry, but when I click on the links I only get ads that cover the info you posted.

@impetus34 The total annual premium cost of the PPO will be $3,042 (26 paychecks x $117). The total annual premium cost of the HSA will be $2002 (26 paychecks x $77). What is the OOP maximum for each plan? You will save $1,040 in premiums by going with the HSA plan. But, unless you have...

@mountaintrip98 Yes, after reading some of that document the OP posted in regard to question no. 1, it's an extremely gray area and can only be determined on a case by case basis.