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Traditional Plan
- Limited $25-$30 Dr. Co-Pay
(no credit toward deductible)
- Limited $10-$25 Rx Co-Pay
(no credit toward deductible)
- Multiple Deductibles
(3 per family)
- No Pre-Tax benefits
- 80% Coinsurance
- No Maternity, Dental, or Vision
- Rates go up 20-30% / year
- No Retirement Savings
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HSA/One Deductible Plan
- No Out of Pocket Doctor Co-Pay
(paid through HSA account)
- No Out of Pocket Rx Co-Pay
(paid through HSA account)
- One Deductible / Family
- Pre-Tax Benefits
- 100% Coinsurance
- Maternity, Dental, Vision
(paid through HSA account)
- Rates more stable
- Unused HSA funds are your money
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