Example 1: Average health
year for a typical individual in the U.S.A.
“Healthy Jane’s company contributes
$2,000 annually to her HSA and Jane spends $750 in out-of-pocket
medical expenses
in an average year”
- Healthy Jane is able to contribute $1,250 per year to her HSA
savings!
Example 2: A really bad health year
“Joe’s company contributes $2,000 annually
to his HSA. Sick Joe has a bad health year and uses $30,000
of medical services.”
- Joe’s out-of-pocket expenses include his co-pays, annual deductible, 20% co-insurance and the use of his $2,000 in HSA funds
- The bottom line is that Joe’s true out-of-pocket expenses (as exhibited by the yellow blocks below) are similar whether he is covered by an HSA/HDHP or a PPO plan.
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