Hellobee Boards Topic: What are the #s on your high deductible HSA plan?

Hellobee Boards Topic: What are the #s on your high deductible HSA plan? https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Wed, 03 Jun 2026 17:18:26 +0000 Mae on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718893 Fri, 31 Mar 2017 20:13:19 +0000 Mae 2718893@https://boards.hellobee.com/ Mine (Individual) $20/mo premium No employer contribution to HSA $3,000 Deductible/OOP max Husband (Family plan) Premium-- I don't remember. like maybe $200-300/mo No employer contribution to HSA $6,000 deductible then we pay 20% I don't remember the OOP max... I want to say like 9k or something. MamaG on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718786 Fri, 31 Mar 2017 12:32:42 +0000 MamaG 2718786@https://boards.hellobee.com/ Mine is actually an HRA (not HSA, which means the funds aren't portable and mine to take with me, they are my employers to keep if unused). Employee only coverage: Premium = 66.00/month Network is extremely narrow it's one hospital group and their affiliated providers. Deductible = $3750.00 OOP Max = $5350.00 Coinsurance = 5% after deductible Contribution to HRA $1250 For the family coverage (spouses aren't covered unless you can prove they don't have coverage through their employer, are unemployed, self employed, etc.) Premiums = $484.00/month Deductible = $7,500 OOP Max = $10,700 Same HRA contribution. Our out of network coverage isn't significantly worse, because the in-network providers are sort of HMO-like in that it's just one hospital network. sunny on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718763 Fri, 31 Mar 2017 11:29:39 +0000 sunny 2718763@https://boards.hellobee.com/ @mediagirl: there is a max contribution of $6750 to a family HSA per year and that includes contributions from the individual as well as company. mediagirl on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718730 Fri, 31 Mar 2017 09:23:50 +0000 mediagirl 2718730@https://boards.hellobee.com/ @kiddosc: oh, ok. I updated mine then to show appropriate information. kiddosc on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718728 Fri, 31 Mar 2017 09:22:57 +0000 kiddosc 2718728@https://boards.hellobee.com/ @mediagirl: I think most of the employer contributions are annual, ours is at least. $1200 in one lump sum at the beginning of the term year. mediagirl on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718727 Fri, 31 Mar 2017 09:20:40 +0000 mediagirl 2718727@https://boards.hellobee.com/ @kiddosc: I'm amazed that these employers all give their employees so much money to put into their HSA, on top of paying for a portion or all of the plan. If we had someone putting $1200 into our HSA account each month, we would be all set! kiddosc on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718724 Fri, 31 Mar 2017 09:18:22 +0000 kiddosc 2718724@https://boards.hellobee.com/ @mediagirl: $50 contribution? Why bother? Ugh. mediagirl on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718719 Fri, 31 Mar 2017 09:09:15 +0000 mediagirl 2718719@https://boards.hellobee.com/ My HSA plan is AMAZING!!!!! (see below) Family Plan: $786 in premiums/month $50 employer contribution to the HSA/month $5600 deductible in network, then co-pays for coinsurance $10,000 OOP max in network (not) MrsBeluga on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2718639 Thu, 30 Mar 2017 22:50:47 +0000 MrsBeluga 2718639@https://boards.hellobee.com/ Family $0 Premium (my employer pays $1750/m) $3250 Employer Contribution $3000 Deductible $6500 Max OOP which includes our Deductible. I work at a small firm in the financial services industry. My firm uses to fund the full HSA but now we do half. Not bad and really not bad if you can space out your high usage years. kiddosc on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717834 Wed, 29 Mar 2017 12:39:08 +0000 kiddosc 2717834@https://boards.hellobee.com/ Family plan $336.20/month premium $1200 employer contribution to HSA $2000 deductible, then 80/20 coinsurance $5500 OOP max in network Luckily, they don't put a cap on HSA roll-over. DH was on this plan as an individual for several years without any major personal medical expenses, so by the time the rest of the family joined we had quite a bit stored up in the HSA. The kids used to be on my PPO plan, but I was laid off last summer and work in a contract position now. Littlebit7 on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717830 Wed, 29 Mar 2017 12:36:04 +0000 Littlebit7 2717830@https://boards.hellobee.com/ HDHP (family, two adults, 1 child) $200 monthly premium $6500 employer contribution to HSA $2000 individual deductible $4000 family deductible $6500 OOP max in network $6500 90/10 coinsurance skinnycow on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717743 Wed, 29 Mar 2017 10:00:10 +0000 skinnycow 2717743@https://boards.hellobee.com/ For HSA - Individual plan (not family) $10 in premiums $600 employer contribution to the HSA $1500 deductible in network, then 90/10 coinsurance $3000 OOP max in network mdf106 on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717723 Wed, 29 Mar 2017 09:21:46 +0000 mdf106 2717723@https://boards.hellobee.com/ Family plan $0 in premiums for myself, a $1100/month for family plan (spouse and unlimited children, I have two children) $1200 employer contribution to the HSA $3000 individual deductible/OOP max $6000 family deductible/OOP max I should add the the deductible of the actual plan is even higher ($6000/$12,000), but my employer reimburses for the difference. We reached the family OOP max in 2016. Iced Tea on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717677 Wed, 29 Mar 2017 07:40:41 +0000 Iced Tea 2717677@https://boards.hellobee.com/ $798 Premium per month (two adults, one child) $0 Employer contribution $4,800 Individual deductible $9,600 Family deductible 50% coinsurance after the deductible up to the OOP Max below: $6,550 Ind OOP Max $13,100 Fam OOP Max The summary of benefits estimates a simple pregnancy and delivery at $6030. This plan basically has the maximum allowable customer cost-sharing, and what makes it even worse is the network. It has a pathetically narrow network yet going out of network would almost double my cost (i.e. coverage diminishes to practically nothing). I am in a state with continuity of care regulation that requires the insurance company to keep paying at the in-network benefit level if your coverage changes in the second or third trimester (this is to avoid forcing you to change during pregnancy), yet they've done nothing but give me a hard time for the last three months over my midwife being out-of-network, trying to get out of their responsibility. It is SO stressful. Their network has ZERO midwives within 100 miles; I used to have a choice of over a dozen. Several local hospitals, including the first choice for VBACS, are not in-network either. I feel like the insurance company is just taking advantage of us in every way. MOMTOLITTLEB on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717669 Wed, 29 Mar 2017 07:17:46 +0000 MOMTOLITTLEB 2717669@https://boards.hellobee.com/ My plan is changing this week so I'll share the new one. The old one was also fine with me but much more expensive to add my husband to- with this new plan, I might include him next year. Just for myself and my kids for now: $101 premium per month $1500 employer contribution $2600 deductible 10% copay after that up to $5200 Boopers on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717668 Wed, 29 Mar 2017 07:16:04 +0000 Boopers 2717668@https://boards.hellobee.com/ Thankfully my husband recently got a new job so we are with this plan for now $240 a month for family premiums $1000 dollar employer contribution, with a $500 bonus if you max it out $4000 deductible $8000 OOP max (I think?) Which is waaaay better than the plan I was receiving through my employer and I am a teacher! I even chose the lowest level plan with the lowest premiums. $356 a month for just my son and I. It would have been around $700-800 for the whole family No HSA, just an optional FSA $5000 deductible I can't remember the OOP max, but it was really high lawbee11 on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717647 Tue, 28 Mar 2017 22:36:23 +0000 lawbee11 2717647@https://boards.hellobee.com/ DH and I are both on HDHPs. Me (individual plan): $0 in premiums $1200 employer contribution $3500 deductible $3500 max OOP DH (family plan): $180/month in premiums $1800 employer contribution $3000 deductible $3000 max OOP DesertDreams88 on "What are the #s on your high deductible HSA plan?" https://boards.hellobee.com/topic/if-you-have-an-high-deductible-hsa-plan#post-2717644 Tue, 28 Mar 2017 21:46:01 +0000 DesertDreams88 2717644@https://boards.hellobee.com/ I'm just wondering what HSA plans out there are like. My friend and I are both on high deductible HSA plans, but I was really surprised to find out what her deductible, OOP, and employer contribution was. I wonder what the range of normal is? We all have different salaries, cost-of-livings, and family sizes so I hope this doesn't get anyone bent out of shape, but I'm truly curious and think we can have an open discussion. Individual plan (not family) $0 in premiums $1000 employer contribution to the HSA $2500 deductible in network, then 80/20 coinsurance $4000 OOP max in network I'm actually on a family plan now but I forget the stats.