PPO vs. HDHP
Which Plan Is Best for You?
To find the plan that works best for you:
- Think about the services and prescriptions you know you or your dependents will have each year and estimate the cost
- Consider the potential for any “unknowns” and determine your tolerance for risk
- Do the math!
- Consider the premium savings between plans compared to potential deductible and out-of-pocket risk
- Remember prescriptions are subject to the deductible for the HDHP medical options
- Don’t forget the FREE employer HSA contribution when you enroll in a HDHP option
2024 Medical and Pharmacy Side-by-Side Comparison
2024 Medical Plan Rates
2024 HSA Contributions and IRS Guidelines
2025 Medical and Pharmacy Side-by-Side Comparison
2025 Medical Plan Rates
2025 HSA Contributions and IRS Guidelines
By enrolling in the HDHP and depositing the per pay premium savings into your HSA in addition to the employer contributions, you are well on your way to saving for those unexpected expenses. And for the years in which you have little to no medical expenses, you WIN! You save money by not paying a higher premium for insurance you aren’t utilizing!
Example: When compared to the Family PPO, the annual premium savings on the Family HDHP is $4,200! That’s more than enough to cover the $3,500 deductible should you meet the full deductible in one calendar year. In the event you have a “healthy” year with little expenses, that savings is yours to keep! And if you put it in your Health Savings Account, it's still tax-free and rollovers from year to year!
*The PPO has an Embedded deductible meaning each member is capped at $600 before moving to coinsurance.
*The HDHP has a Non-Embedded deductible which means each family is subject to the full deductible that can be satisfied collectively or by one individual before moving to coinsurance.