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re: Confused on best medical plan and HSA investing.
Posted on 12/4/23 at 6:19 pm to PhiTiger1764
Posted on 12/4/23 at 6:19 pm to PhiTiger1764
quote:
At first glance, given that your wife is having a baby next year, the $6,000 HSA will almost surely be the best financial choice.
He'll be paying out of pocket for everything.
I lean toward that plan in general because most people don’t hit their OOP max with any regularity, but that plan could end up being expensive.
ETA: ran the numbers with 20% coinsurance. I actually can’t find a scenario where the middle plan would ever be cheaper than the bottom plan. Same with the PPO - it might be a better network, but it’s never cheaper than the $0 premium plan all in.
This post was edited on 12/4/23 at 6:59 pm
Posted on 12/4/23 at 6:52 pm to slackster
All of the options are fairly expensive tbh. Yearly premium alone on plan 1 is $11,414. So $13,414 after deductible with max oop $16,414.
Plan 2 premium is $5876. That’s $11,876 after deductible with max oop $15,877.
He’s hitting deductible for sure in a year with a baby, and could approach oop max. That’s “only” $12k worst case with plan 3.
The premium of these plans do reduce taxable income, that should not be overlooked.. so they are all fairly close I suppose.
Plan 2 premium is $5876. That’s $11,876 after deductible with max oop $15,877.
He’s hitting deductible for sure in a year with a baby, and could approach oop max. That’s “only” $12k worst case with plan 3.
The premium of these plans do reduce taxable income, that should not be overlooked.. so they are all fairly close I suppose.
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