Comparison of Traditional PPO and HSA PPO
Insurance Premiums / Costs |
|
|
| |
Traditional PPO
Plan
Total
Out-of-Pocket
Costs
$1,000 Deductible
per PERSON
80/20
Coinsurance
|
HSA (MSA) PPO
Plan Total
Out-of-Pocket
Costs
$5,100 Deductible
per FAMILY
100%
Coverage
Thereafter
|
Annual Paid Premiums
|
$10,200 |
$6,900 |
Deposit / Contributions to
HSA (MSA) Account
|
N/A |
$4,500 |
Monies Paid to Your Physician & Other
Providers ($2,500 Claims)
|
$1,780 |
Paid
from HSA
(MSA) Account |
HSA (MSA) Balance at 1st Year's End
|
N/A |
$2,000
($4,500 - $2,500) |
Tax Savings on Your Premiums (assumes 28%
tax bracket and premiums 100% tax deductible)
|
$2,856 |
$1,932 |
Tax Savings on HSA (MSA) Deposits (assumes 28% tax
bracket)
|
N/A |
$1,260 |
Total Out-of-Pocket Costs
|
$9,124 |
$6,208 |
|
|
|
