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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
 
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