audreyh1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
IL.
There is a plan that is HSA eligible, but higher premium. I'll end up going with the eligible one.
BCBSTX went to only one HSA eligible plan with a big jump in premium - bronze of course. They did a very interesting thing - they cut the deductible in half. It's a much lower deductible than they've ever offered on a bronze plan. IMO this allowed them to raise the premium at least $100 a month to "make up the difference", so even the healthier folks who don't need the much lower deductible end up paying this extra if they want to contribute to an HSA.
They are switching us to this new plan and premiums have jumped 28% for me and 25% for DH. I don't think the HSA contributions tax savings make up the difference for us anymore but DH and I still really want to contribute to our HSAs.
There is one other cheaper plan that is not HSA compatible and has over twice the deductible, higher OOP and no out of network coverage at all. It's quite a bit cheaper. I'll come back later and post the price differences.