I've never noticed any withdrawal fees with my HSA provider (Fidelity). Does the fact that I'm living in CA factor into this decision? Traditional Health Plan. A couple of items before you get started: 1. An HSA is different from the plan types of PPO, HMO or EPO. We have a guide to opening an HSA here. Open enrollment is upon us. An HDHP will usually mean a lower premium for employers who offer health insurance as a benefit. What is the difference in premiums, deductibles, and other costs? If possible, put them through a calculator like the one found at this site; Sometimes even though the deductible for a traditional plan is lower it doesn’t make financial sense if the employer contribution to the HSA in the HDHP plan is high. I thought I had to have been mistaken when I selected the PPO as a better option. I think the unreliability OP mentioned comes from the costs associated with HSA and PPO plans. Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. An HSA or a PPO. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. Health Savings Account Calculator - AARP. Paid about $4K out of pocket under HSA plan. What are the premiums, deductibles, and OOP max for each plan? HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money tax-free to pay qualifying medical expenses. Obviously the HSA has a much cheaper monthly premium but the cost per doc visit is significantly higher. You can’t use decimals here, except in the percentage fields. How would you feel about suddenly losing that kind of money? Some plans are $3,000 to $5,000 less than the average. Is an HSA plan the right choice for me? But there are drawbacks. You have access to in-network doctors and facilities that agree to accept discounted rates. Here's one article + calculator. I've done very well with an HSA plan, because it is significantly cheaper than the other plans my employer offers. HSAs offer many distinct advantages for consumers. More to think about. Most of the employers I work with/my firm works with want to contribute to an HRA because their overall expenses are lower vs. contributing to an HSA on behalf of an employee and that employee leaving and taking those funds with them. HSA vs PPO Health Insurance: HSA is a tax-advantaged health benefit plan exclusively available to taxpayers in the United States who are enrolled in an HDHP. 2. I actually had an accident where I should have seen a doctor, and there's a 25% chance I'll have a better outcome in 20 years if I had. A health savings account is a tax-advantaged savings account paired with a high-deductible health plan (HDHP) that can help you pay for medical expenses—both now and in the future. PPO is a cost sharing health plan that collaborates with medical services providers such as hospitals, doctors and other medical specialists to create a network of participating providers. Contribute enough to any workplace retirement plan to earn your maximum match. Depending on your plan type (single or family), your … Somehow the premium on the HDHP was basically the same, and the HSA contribution only $500. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Most custodians charge an annual fee and even a rollover fee. HDHP vs PPO: Which Is Right for You? How likely are you to have medical issues? In 2018, the annual HSA contribution limits for individuals with a high-deductible plan will be $3,450, while families with an high-deductible plan can contribute up to $6,900. I think of it this way, I'm young and relatively healthy but at any point in the next year, my appendix could burst, I could get in a bad car accident, get diagnosed with cancer or some illness and I would rather continue to pay the $50/week for some peace of mind knowing that I have a PPO vs the HSA that I could easily blow through and then still owe money. Edit: PPO & HSA plan will both be $0 a month for me. The HSA funds pay for other covered health care expenses that are also applied to the deductible. Just your routine checkups including dentist and optometrist. If you have one that your employer deposits money into pre-tax, it is a better retirement account than a Roth IRA or an IRA, plus you can take money out whenever you need for medical expenses. Health Savings Account (HSA) & HDHP vs. I'd imagine HSA's work the same way (you can't pull out your gains tax free, but up to that is fine). ® Anthem Blue Cross is the trade name of Blue Cross of California. The primary difference between a CDHP vs a PPO is that one is a form of health insurance that is largely self-directed, while the other is a form of healthcare that requires you to pay less out of pocket, but more into monthly premium payments. First, let’s brush up on some basic health insurance terms. Home › Tools & Resources › Tools & Calculators › Calculators › Which is better, comprehensive plan or high-deductible plan with HSA? In 2020, maximum contributions are: $3,550 single; $7,100 family. You will need to add detailed health plan details like monthly premiums, annual deductibles, and out-of-pocket maximums to get a dollar to dollar comparison of your health plan options. Reader Question: Traditional PPO vs HSA Plan Posted on May 5, 2014 Written by Harry Campbell 14 Comments Editor’s Note: For those who aren’t familiar with Health Savings Accounts , I’ve written extensively on the topic before , take a look. By using an HDHP/HSA solution, you can often realize significant savings on your insurance premiums and receive a deduction on your income taxes. Your Network: National PPO (BlueCard PPO) This summary of benefits is a brief outline of coverage, designed to help you with the selection process. What Are the Benefits of a CDHP? Had I picked the PPO plan, I'd be out that 7k with nothing to show for it. Your HSA contributions and the interest they earn can cover eligible medical expenses, including ones your health insurance plan may not cover. I have the choice to pick a good PPO insurance and an HSA with no cost through my employer. Traditional Health Plan Calculator, which lets you input your annual doctor visit and prescription expenses to see the plan that’s right for you. However last year I had surgery to remove a bladder tumor and now I need to see … I've ended up ahead for five of those six years versus the costs associated with the PPO. Here's another calculator. HSA Center.com; What is an HSA? Are you prepared for a surprise $3000 expense (could be less depending on contributions). Join our community, read the PF Wiki, and get on top of your finances! New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Knowing these will help you understand the difference between plan types and make a better decision. My employer offers an HSA HDHP in addition to the regular options. Press J to jump to the feed. Preexsting conditions? Your premiums are much lower but you have higher out of pocket expenses for actual care...meaning you really only pay when you need care. In 2020, maximum contributions are: $3,550 single; $7,100 family. With an HMO you'll have lower out of pocket expenses for care but pay higher premiums si if you don't use it much, that's wasted money. Premium:The price you pay per month to have health insurance, whether or not you use it. So, you can get a PPO that is also HSA eligible, but not every HSA eligible plan is a PPO, and PPOs aren't available in every state. PPO vs HDHP HSA $1,500 vs $5,000 deductible $3,500 vs $6,450 out of pocket max $2,171 vs $1,796 yearly premium cost. Employees often play les… PPO refers to the type of network, HSA refers to the savings account you use to save for health expenses. This tool is designed to help you compare a consumer-driven high deductible health plan (HDHP) with a health savings account (HSA) to a traditional health plan. It has saved me thousands, even when I've had large expenses. Triple tax benefits With an HSA plan, a simple doctor's visit could cost hundreds of dollars and one ER visit could be thousands You have to consider the unique tax advantages you’ll have if you choose an HDHP and then enroll in an Note: The plan comparison tool is intended to be used as a guide and to measure hypothetical savings. posted by ethidda at 3:28 PM on May 30, 2014 [2 favorites] In my particular case, my employer charges so much for the PPO and so little for the HSA that even if I were to incur the full deductible of the HSA, I … Probably best not to think about this one. Traditional Health Plan. Some may not even know they have access to health savings accounts (HSAs) and health reimbursement accounts (HRAs). From the options at my employer, I found the HDHP w/ HSA made more financial sense than available PPOs if my health care costs were low, or high. Do you make enough to max out an IRA and contribute at least enough to get any employer match on your 401k? To use this calculator, you’ll enter the plan expenses, medical service copays, and coinsurance of two different plans. By using an HDHP/HSA solution, you can often realize significant savings on your insurance premiums and receive a deduction on your income taxes. My company provides the high deductible plan with HSA at no cost to employees. Would have paid $1800 under PPO plan. What about unwinding an HSA? Your Plan: PPO HSA Plan . Traditional Health Plan Definitions. In 2021, maximum contributions are: $3,600 single; $7,200 family. The idea of not being covered doesn’t sit well with me. Thank you. Now some people just pay with post tax dollars anyway and let that money accrue for retirement, but paying direct out of the HSA is a better option for our current financial situation. How long do you plan on having an HSA, and have you looked into tax implications in the future? A PPO (preferred provider organization) insurance product allows you to see any primary care provider and typically, any specialist on the panel. With Roth IRA's, you're allowed to pull out any amount (with no fee) up to the total you've previously contributed. a PPO could well be your better bet. Cookies help us deliver our Services. Same here - when my husband and I worked out the costs for each (using some assumptions based on our past years' usage of insurance), the HSA plan ended up being better for us. It’s not worth the risk of bad health without the right insurance. Healthy, young, fit + have access to an HSA? Pondering the HSA vs. PPO decision alone may be giving you a headache. After you m… Your HSA usually starts as a cash account which earns interest like a savings account. Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. Do the HSA. I am going to commit to the PPO. There are a lot of articles about the mechanics of HSA's: https://www.reddit.com/r/personalfinance/comments/5lueej/hsa_the_ultimate_retirement_account/. Toll Free Customer Service 1-800-776-2322 By using an HDHP/HSA solution, you can often realize significant savings on your insurance premiums and receive a deduction on your income taxes. The one year we "lost" was we had back to back ER visits for one of our children which chewed through our deductible quickly. It's important to note that I rarely go to the doctor for emergency medical issues. Welcome to r/personalfinance! One major hitch is that to open an No HSA, no free $1000 kicked in, no pre tax deductions. I'm in my … For those who are used to traditional PPO plan and are thinking about HDHP for HSA tax benefits but are daunted by the large deductible – remember even when fronting the full cost until the deductible is met, you pay the negotiated rate which will be lot lower than the sticker price. Compare a High-Deductible Health Plan (HDHP) with a Discovery Benefits Health Savings Account (HSA) to a traditional health plan. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. The high-deductible health plan (HDHP) is frequently among the health insurance choices offered by companies these days. 2. If you are 55 years of age or older, an additional $1,000 can be contributed. Compare your 2021 vs. 2020 tax brackets here. Again, specific tax and medical situations could impact the final number, but I doubt in most situations it would swing the pendulum far enough to actually favor the PPO. Qualified Medical Expenses; HSA Videos » HSACenter – All about Health Savings Accounts » Health Savings Accounts and Special Enrollment » Get the most out of HSAs this tax season Still cheaper via HSA. Premiums aren’t the only way you can save on healthcare costs. Join our community, read the PF Wiki, and get on top of your finances! On the negative side, HDHP plans come with a much higher deductible and have much higher out-of-pocket … Last year I had knee surgery and PT. It's literally the best investment vehicle out there, beating out everything but an over-matched 401k. Health Savings Account (HSA) vs. With a CDHP, the out-of-pocket costs for a patient are going to be much lower than they would be with a PPO… So I'm actually getting paid ~$1500/yr to be in this plan. You may not even need to switch insurance providers, just policies. Edit: One more thing: people are less likely to use HSAs, even in situations they should see a doctor, so you have to be careful with that. I was pretty surprised how mediocre it was when I enrolled this year. Thanks to your calculator… Apples and oranges. HSA vs. FSA. PPO detail HDHP detail. What does the future of US health policy look like? Under the PPO option, I was out of pocket by somewhere between 4.5K and 6K (premiums going up every year) . HSA and PPO plans work When choosing a medical plan, consider the differences in deductible, out-of-pocket expenses and premiums with each plan. 1. I switched from PPO to HSA nearly 7 years ago. But with an HSA, many of those costs can be planned for or offset by the opportunity to take an employer match, invest, and roll funds over. I would recommend a HDHP vs PPO, if you are fairly healthy and can afford to contribute to an HSA. This tool is designed to help you compare a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. In 2021, maximum contributions are: $3,600 single; $7,200 family. Joe Joe is a 25-year-old employee who elects single coverage. HSA's are pretty sweet. I basically pay full price every visit. If you have a chronic condition (diabetes, Crohn's, etc.) Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/personalfinance/comments/5lueej/hsa_the_ultimate_retirement_account/. She asked me about the high-deductible health insurance policy and the HSA in my book. Deductible:The amount you have to pay upfront for your medical care, with the exception of some free preventive care, before insurance kicks in. (My employer offers an online calculator for this.) This includes any contributions received from employers. As Americans pay more for medical costs, many seek new ways to save in case of emergencies. In addition, you can contribute money to your HSA so that if there is a gap, you can pay for it with tax free dollars. Pre-tax benefits savings . Here's another calculator. Ultimately though, it’s all a numbers game. Then I max out HSA deductions since it's all pre tax. For examples, compare one of … Look into more affordable options. Any funds in a HSA is the employee's to keep, even if he/she change jobs or stop working. The HMO option we had was $300/mo. Use our HDHP/HSA Vs. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator. Getting a substantial HSA into a stable place once you don't want an HSA can be more work. With a high-deductible plan, she would definitely be paying out-of-pocket for insulin and other supplies every month, to the tune of over eighty dollars. If you like to gamble on your health expenses, because you are young and healthy, with a chance to save money tax free for the future, use the HSA. Also, if I decide to invest money in the HSA into a mutual fund, how are withdrawals from that pool of money treated? Probably should mentioned I saved ~$10k in an HSA (now in a brokerage account), but have been on a PPO for the past 5 years. But here’s the catch: in order to open an HSA, you must pair it with a high deductible health plan (HDHP). Javascript is required for this calculator. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Any of these plan types can be an HSA eligible plan. But the federal government does not tax withdrawals, regardless of state of residence, right? You shoulder part of the costs and the plan shoulders some. Amount of money you will pay into your HSA for the year. Health Savings Account (HSA) & HDHP vs. Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time. Editor's note: This calculator will be updated with 2021 tax information soon. We began to work the numbers together. Comments will be removed if they are political, medical advice, unhelpful, or uncivil (subreddit rules). I would expect to pay a fee if I need to withdraw money I'm investing. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money tax-free to pay qualifying medical … Traditional Health Plan This tool is designed to help you compare a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. If you contribute the max at the beginning of the year, you'll have some accounting headaches if you leave the company in the middle of the year. The math (as you have so articulately laid out) was staring me in the face. HSA vs. FSA. Simply enter some basic information about your health plan, and we'll provide you with the cost estimate of each plan. Traditional Health Plan This tool is designed to help you compare a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. With money from this account, you pay for health care expenses until your deductible is met. PPO is a cost sharing health plan that collaborates with medical services providers such as hospitals, doctors and other medical specialists to create a network of participating providers. It really comes down to the numbers and specifics if the HSA is a good deal. The three easy-to-use interactive calculators below can help you determine if an HSA plan is the best choice for you and your family. Most of the time, families/employees with children used them more … I think the unreliability OP mentioned comes from the costs associated with HSA and PPO plans. In general, how do people decide which insurance plan to choose / what is a reasonable set of criteria for me to consider? Get the HDHP but make sure you put money into your HSA to cover an unexpected medical expenses. This tool is designed to help you compare a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. I've had an HSA plan for six years now. Health Details: Editor's note: This calculator will be updated with 2021 tax information soon.Compare your 2021 vs. 2020 tax brackets here. Your HSA contributions and the interest they earn can cover eligible medical expenses, including ones your health insurance plan may not cover. With an HSA plan, a simple doctor's visit could cost hundreds of dollars and one ER visit could be thousands. Traditional Health Plan Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan. HSAs offer many distinct advantages for consumers. Below, we explore some HSA pros and cons. That said, we're all relatively healthy with no chronic conditions. Now is the time you can make changes to your health insurance selections through your employer. I've just steadily contributed over the past six years and it's a great "cushion" for when we get medical bills. HSA vs PPO Health Insurance: HSA is a tax-advantaged health benefit plan exclusively available to taxpayers in the United States who are enrolled in an HDHP. Given that my family of 3 are fairly healthy, my insurance was not paying more than 3K per year which meant that I was … However, the whole HSA account thing is hard to pass up. If you think you are actually going to need to use your insurance several times during the year and might not be able to afford a high deductible you should go with the old-fashioned kind. So an HSA can be a huge benefit in preparing for out-of-pocket medical costs. High Deductible HSA vs PPO. For someone who does not anticipate a lot of medical bills the high deductible plan with HSA is usually the way to go. I don't know how to decide whether to get an HSA or an HMO (which I was originally going to go with). A HDHP is not an unreliable health insurance plan. Use this calculator … You can compare HDHPs, PPOs and HMOs health plans. There was a narrow middle band where the PPO was optimal. In the listing of common medical events, the HDHP shows no charge for just about everything while the PPO show's copay (between $15 to $150) and 20% coinsurance. Your monthly savings are generally pretty significant when you switch from a traditional PPO/HMO plan to an HSA/HDHP combo so you can add that savings to your HSA every year. This article will explain in plain English the difference between a health savings account (HSA) and a preferred provider organization (PPO). A Free Calculator to Compare Health Insurance Plans from your Marketplace or Employer. To help you better understand the true costs of these plans, the following examples show how the HDHP and PPO plans work. Top of Page But don’t pay to see a doctor just yet. This is true. By using our Services or clicking I agree, you agree to our use of cookies. Health Savings Account (HSA) An HSA is a tax-advantaged account established to pay for qualified medical expenses of an account holder who is covered under a high-deductible health plan. With money from this account, you pay for health care … Amount of money you will pay into your HSA for the year. It is not intended to be used as advice. Health Savings Account (HSA) An HSA is a tax-advantaged account established to pay for qualified medical expenses of an account holder who is covered under a high-deductible health plan. Press J to jump to the feed. They won’t “take.” Round to dollars. Key Difference – HSA vs PPO Health Insurance Many individuals use health benefit plans to cover their medical expenses when in need. Health Savings Account (HSA) vs. Let’s begin by exploring the distinct features of each account. From the options at my employer, I found the HDHP w/ HSA made more financial sense than available PPOs if my health care costs were low, or high. Then max out your HSA. Now is the time you can make changes to your health insurance selections through your employer. If you have access to both an HDHP and PPO, be sure to run the numbers yourself or have a financial … You really need to sit down, make some assumptions about your anticipated usage of the plan and work the numbers. That means the total annual benefit of this HSA plan vs its PPO counterpart could be up to $4,700. For more details, important limitations and exclusions, please review the formal Certificate of … Car accidents? Health Savings Account (HSA) vs. And they kick in $1000 to our HSA by completing some health awareness and education stuff online. But smart consumers who are prudent about their physical and financial health would do well to consider the HSA vs. HRA decision. A PPO is a great option for many people (especially for larger families or those who have high annual medical expenses on a regular basis). At the end of the day, no … Please contact the moderators of this subreddit if you have any questions or concerns. Use this calculator to determine the possible savings. I have a fear of car accidents. Here's one article + calculator. Now I can't speak to all plans, but the way mine worked out that was the vast difference in the weekly deductions for each plan basically amounted to an "up front" payment for the PPO versus a "back end" payment for an HSA. I'm a healthy, fit, young male living living in CA and I have no student loans, debt, mortgage, or car payments; my main monthly expense is rent. For examples, compare one of the following plans to a copay plan. The employee pays the remaining deductible amount and then PPO benefits begin. The math of deciding between the HMO and the HDHP w/ HSA shouldn't be too hard to do. Since I've never had any serious health issues , HSA has always been the better / cheaper option. Let’s begin by exploring the distinct features of each account. HSA deduction's are pretty easy, you'll be issued a debit card from your HSA administrator and you just pay for healthcare expenses using the debit card. Don’t forget contributions to an HSA are made before tax. I've heard that CA does tax withdrawals, even if used for medical expenses. I am a bot, and this action was performed automatically. Hi and welcome. In 2017, the average cost for family coverage through an HDHP was about $17,500, which was around $1,200 less than employer-sponsored family coverage average. HSA Plan Comparison Calculator Enter your current health plan amounts and that of an HSA plan that you would like to compare side-by-side. The individual funds you're invested in might also have their own rules (some may charge fees for short-term investments). There was a narrow middle band where the PPO was optimal. What is an HSA? Physically active? Health Savings Account (HSA) vs. The math of deciding between the HMO and the HDHP w/ HSA shouldn't be too hard to do. For me, the 1000 my employer contributes to the HSA, plus the 1500 I save in taxes from the HSA, plus the 2900 in annual premiums I save from the HSA, is greater than the annual maximum for the HDHP, so it is a no brained to get the HDHP. HSA Pros. I've been using the HDHP+HSA option for the last 3 years, and have been able to save ~7k in my HSA account, all of which was the difference in premium from the PPO and HDHP plans (PPO premium was 125, HDHP premium was 50, so my contribution to my HSA was 75). It provides a lower cost for employers and employees. In the past 3 years, the average usage of the HRA was about 60%. 401k + Roth IRA is enough. This tool is designed to help you compare a consumer-driven high deductible health plan (HDHP) with a health savings account (HSA) to a traditional health plan. An HDHP plan is typically about 10% cheaper than a traditional preferred provider organization ( Compare the cost of your current health insurance plan with an HSA plan by using our Plan Comparison Calculator; Estimate your potential tax savings with an HSA by using our HSA Tax Savings Calculator You may find the Health Insurance wiki page helpful. It's hard to recommend one over the other without knowing at least those details. With a PPO plan, I know that a doctor's visit will, at most, cost me $35, or that an ER visit will cost me $200 unless I'm admitted. Open enrollment is upon us. I don't know, and couldn't find this answer through quick Googling. With a PPO plan, I know that a doctor's visit will, at most, cost me $35, or that an ER visit will cost me $200 unless I'm admitted. This summary does not reflect each and every benefit, exclusion and limitation which may apply to the coverage. This includes any contributions received from employers. If you let this sit for a while, the server will clear your entries. HSA Plan Comparison Calculator Enter your current health plan amounts and that of an HSA plan that you would like to compare side-by-side. We’ll also explore the pros and cons of each to help you make the best healthcare decision for you. Press question mark to learn the rest of the keyboard shortcuts. HSAs are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. For the first time I will have a option to elect HDHP + HSA for next year. Our moderation team encourages respectful discussion. It's open enrollment time, which means many of us are reviewing health insurance options. So this plan would cost me $3600/yr. Among a number of such plans, HSA (Health Savings Account) and PPO Health Insurance (Preferred Provider Organization) are two popular choices for a similar requirement in the United States. 1. PPO = Preferred provider organization. I think of it this way, I'm young and relatively healthy but at any point in the next year, my appendix could burst, I could get in a bad car accident, get diagnosed with cancer or some illness and I would rather continue to pay the $50/week for some peace of mind knowing that I have a PPO vs the HSA that I could easily blow through and then still owe money. HSA eligible plans are available in pretty much every state. An HDHP plan is typically about 10% cheaper than a traditional preferred provider organization (PPO) plan and is usually associated with a company funded tax-advantaged health savings account (HSA) that is meant to fund some of your medical expenses. When does it make sense to pick an HSA for the tax benefits of an HSA vs having good reliable insurance? Cyclist? Generally speaking, these types of health insurance plans most benefit young and healthy people who don’t expect much medical costs throughout the year. No employer contribution to the HSA as far as I know. 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Is right for you and your family plan will both be $ 0 a month me... And can afford to contribute to an HSA vs having good reliable insurance used as a guide and to hypothetical! Time I will have a guide to opening an HSA are made before tax how much health... 'Ve just steadily contributed over the other without knowing at least enough to max out HSA since... As I know we 'll provide you with the PPO option, I be. But make sure you put money into your HSA for the year at the of... Significantly higher 's, etc. how the HDHP w/ HSA should n't be too to. Services or clicking I agree, you pay per month to have health insurance many individuals use benefit! Ppo & HSA plan Comparison tool is intended to be used as a guide to opening an HDHP... Preferred provider organization ( open enrollment is upon us ’ t sit well with me the savings account ( )... Company provides the high deductible plan with HSA and PPO plans was performed automatically enrolled! 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Future of us health policy look like ( HDHP ) is frequently among the insurance! To our use of cookies 3,550 single ; $ 7,100 family a 25-year-old who! Keyboard shortcuts out of debt, credit, investing, and this action was performed automatically receive deduction..., saving, getting out of pocket hsa vs ppo calculator reddit somewhere between 4.5K and 6K ( premiums going up every year.. Actually getting paid ~ $ 1500/yr to be used as advice the PPO was optimal, medical advice,,!