Home Forums Job & Work Life 의료보험 hdhp 잘 아시는분 의료보험 hdhp 잘 아시는분 Name * Password * Email <ul> <strong>Assumptions:</strong> <li>HDPD - maximum out-of-pocket expenses $5,300 for family</li> <li>PPO - maximum out-of-pocket expenses $4,000 for family</li> <li>PPO in this comparison is “middle level” amongst the PPOs from my employer. HDPD has similar coverage with this PPO.</li> <li>This cost comparison does not include benefits of HSA e.g. employer’s contribution</li> </ul> <strong>Use Cases:</strong> (1) A family of 4 (2 adults, 2 young children) whose all members have frequent visits to hospitals, urgent cares, and have surgeries. <ul> <li>HDPD - premium $2,000 + out-of-pocket $5,300 = total $7,300</li> <li>PPO - premium $4,000 + out-of-pocket $4,000 = total $8,000</li> </ul> HDHP costs little less. In both cases, out-of-pocket expenses reached the maximum, so the plan took over the rest of expenses 100%. (2) A family of 4 (2 adults, 2 young children) whose half of family need some medical services <ul> <li>HDPD - premium $2,000 + out-of-pocket $1,700 = total $3,700</li> <li>PPO - premium $4,000 + out-of-pocket $300 = total $4,300</li> </ul> HDHP costs little less. (3) A family of 2 adults who have small need of medical services e.g. just yearly checkup and flu shots <ul> <li>HDPD - premium $1,200 + out-of-pocket $300 = total $1,500</li> <li>PPO - premium $2,400 + out-of-pocket $50 = total $2,450</li> </ul> Healthy family saves a lot from HDPD. 출처 <a href="https://introvertengineer.com/blog/2019/1/13/hdhp-hsa-vs-ppo" rel="noopener" target="_blank">https://introvertengineer.com/blog/2019/1/13/hdhp-hsa-vs-ppo</a> I agree to the terms of service Comment