LSLGuy
October 24, 2020, 6:13pm
3
We all do that.
For an accidental early submit, just clean up the typos as best you can, scrape out the final half-finished paragraph and save that edit. Then make a second post immediately afterwards labeled “Late Add:”.
Here’s one of those double-posts I had to do this very morning:
You might want to look very closely at the rest of the details between both plans.
e.g. both an HDHP and a regular plan will have a deductible up to which they pay zero. Then they’ll have another number up to which they’ll pay e.g. 80% and you pay 20%. Then there’s finally a number called out-of-pocket maximum above which they pick up 100%.
Your true worst case exposure is the OOP max. For each of you. Plus some co-pays. And that’s true for both HDHP and non-HDHP plans. Compare those num…
Late add:
The bottom line being the true worst case isn’t that different between our plans. But for the medium-good case the HDHP may be the more expensive when your yearly total outlay ends up close to the deductible, either just over or just under. But that’s a smaller absolute number and may be easier to withstand if you have an unlucky year.