All ACA compliant plans’ pricing are actuarially equivalent so that changes in the premiums / deductible / oop max just offset each other. Assuming one has sufficient cash flow to afford out of pocket maximums, the only case where one would benefit with a non HDHP plan is if they knew they were going to hit deductible/oop max.That’s great until you need a surgery and boom, you’re paying all of your high deductible in one day.
My wife just tore her ACL skiing last week, so I’m debating spending more on premiums to get a plan with low/no deductible. That way the higher premiums will be tax free with the self employed tax credit.
Over the last 17 years, I’ve come out far ahead with HDHP plans even in years that we reached out of pocket maximum (due to kids’ births) due to market returns.
Statistics: Posted by OrangeKiwi — Fri Dec 13, 2024 10:27 am — Replies 3 — Views 109