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
  Non-tobacco User  Premium Tobacco User Premium Non-tobacco User Premium Tobacco User  Premium
Employee $30.52 $45.52 $38.04 $53.04
Employee & Child(ren) $61.08 $76.08 $76.12 $91.12
Employee & Spouse $69.12 $84.12 $86.12 $101.12
Family $101.68 $116.68 $126.72 $141.72

The City of Chattanooga contributes more than 80% towards the total plan cost.  The City also funds additional contributions to your HSA Account!

 Employee Only =$60  Employee & Child = $80   Employee & Spouse = $100  Family = $125

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. Make sure you review the Brainshark (2017-18 Benefits Video Presentation) for more details on how this might save you money. 

  

References