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Old 07-20-2014, 03:24 PM   #21
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Originally Posted by Looking4Ward View Post
It must be - I just checked again and here were the least expensive results for both HSA and non-HSA plans:

BCBS HSA non-eligible Blue Advantage Bronze HMO 006: 280.40 per month

BCBS HSA eligible Blue Choice Bronze PPO 006: 384.01 per month
I still have my old-school, high deductible, pre-Obamacare grandfathered plan (until it finally gets phased out in 1 or 2 years), so I haven't really shopped for the current Obamacare plans, so I don't know if this question is relevant or not...but does the non-HSA plan have co-insurance? IF you are on the hook for 10%-30% of the cost above the deductible, then it would be cheaper.

Also, I see the non-HSA plan is an HMO, while the HSA plan is a PPO. That's a somewhat significant difference as well, where you have to get pre-approval from the HMO before getting treatment. Plus, the network is likely different as well.
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Old 07-20-2014, 03:30 PM   #22
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Quote:
Originally Posted by Looking4Ward View Post
It must be - I just checked again and here were the least expensive results for both HSA and non-HSA plans:

BCBS HSA non-eligible Blue Advantage Bronze HMO 006: 280.40 per month

BCBS HSA eligible Blue Choice Bronze PPO 006: 384.01 per month
Interesting. In our area the HSA eligible bronze plan with a $5,000 deductible is $341 a month and the bronze plan that is not HSA eligible has a $3,500 deductible and is $359 a month.
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Old 07-20-2014, 03:33 PM   #23
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Originally Posted by MooreBonds View Post
I still have my old-school, high deductible, pre-Obamacare grandfathered plan (until it finally gets phased out in 1 or 2 years), so I haven't really shopped for the current Obamacare plans, so I don't know if this question is relevant or not...but does the non-HSA plan have co-insurance? IF you are on the hook for 10%-30% of the cost above the deductible, then it would be cheaper.

Also, I see the non-HSA plan is an HMO, while the HSA plan is a PPO. That's a somewhat significant difference as well, where you have to get pre-approval from the HMO before getting treatment. Plus, the network is likely different as well.

That is a good point, MooreBonds. I was just reading "the headlines" and assuming it was copays on doctor visits...There are other copays involved. That is why I just prefer knowing the first $5500 is on me and nothing after that...Provided I get to the right in network hospital, the right in network doctors are cutting on me, and all other gotcha fine print is followed to the "T". It's just easier staying healthy and not going to doctors. I think I will just continue doing that!


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Old 07-20-2014, 03:44 PM   #24
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Originally Posted by MooreBonds View Post
I still have my old-school, high deductible, pre-Obamacare grandfathered plan (until it finally gets phased out in 1 or 2 years), so I haven't really shopped for the current Obamacare plans, so I don't know if this question is relevant or not...but does the non-HSA plan have co-insurance? IF you are on the hook for 10%-30% of the cost above the deductible, then it would be cheaper.
As I recall when I was shopping some of the BCBSTX Bronze plans were HSA-eligible and some were not. I seem to recall that the ones that *were* eligible had co-insurance requirements before the OOP maximum kicked in. The ones that were **not** HSA eligible were the ones which had a deductible which was the same as the OOP max (i.e. no coinsurance after the deductible was met).
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Old 07-20-2014, 04:58 PM   #25
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Originally Posted by Looking4Ward View Post
It must be - I just checked again and here were the least expensive results for both HSA and non-HSA plans:

BCBS HSA non-eligible Blue Advantage Bronze HMO 006: 280.40 per month

BCBS HSA eligible Blue Choice Bronze PPO 006: 384.01 per month
Blue Choice and Blue Advantage are different networks. Blue Choice is a PPO and Blue Advantage is an HMO. That explains the price difference.
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