61 y/o female. Use almost no non-preventative medical services; thus insurance is essentially for catastrophic events in which case small differences in deductible/OOP max are in the financial noise. No ACA subsidies.
For the past three years I have used BronzeSelect HSA 1735. For 2019, the premium went up 18% from $654 to $771 per month, so I am rethinking. And have a couple of questions.
Shortlisted options are (with annual difference relative to 1425)
* BlueSelect Bronze 1425 $732/month ($---)
* BlueSelect Silver 1836 $734/month ($24)
* BlueSelect Bronze HSA 1735 $771/month ($468)
So it looks like the only difference between 1425 and 1735 are deductibles and out of pocket maxes, both in network and out-of-network. The Silver 1836 has a deductible less that OOP max, so there is a copay until you hit the OOP max.
1. How do I ballpark figure the value of the HSA
? Assuming a marginal tax rate of 15%, for example, is the value of the HSA $4,500*0.15 = $675? If yes, then I should pick the Bronze 1735 HSA plan, because the value of the HSA ($675) is greater than the premium difference from Bronze 1425.
2. For someone who uses almost no non-preventative health care services, is there any reason to consider the Silver 1836 over a Bronze plan
Sorry for leaving this til the last minute. I had just assumed, resignedly, that I would eat the 18% increase and renew Bronze 1735 until I looked at the options last night.