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The High Deductible Health Plan with HSA features a $2,000 deductible and a $4,000 out-of-pocket maximum for individual coverage; for family coverage the deductible is $4,000 and the out-of-pocket maximum is $8,000. The out-of-pocket maximum includes the deductible and coinsurance charges. Once you reach the out of pocket maximum amount, your medical expenses will be capped for the remainder of the calendar year. The in-network coinsurance amount for all expenses after the deductible is 80%.

All qualifying preventive care is covered at 100% with no charges.

 Monthly Plan Rates

 
  Network S Network P
  HDHP Premium HSA Contribution HDHP Premium HSA Contribution
Employee $34.88 $15 $43.44 $15
Employee & Child(ren) $69.76 $20 $86.96 $20
Employee & Spouse $78.96 $25 $98.36 $25
Family $116.16 $30 $144.76 $30

If either you or your covered spouse use tobacco products, as defined by the policy, we will add an additional $15 per month to your rate. This applies to both Network S and Network P. 

Is the HDHP with HSA right for me?

In general, if you are a relatively healthy person and your dependents are healthy, a consumer driven plan might be a good option for you. This is because your annual health care expenses may be relatively low, allowing you to save up for health care expenses that arise later.  

  

References