Sample High Deductible Health Plan vs Copay Plan Proposal
This is an actual proposal prepared by our agency for a client.
Notice that the benefits are the same with all companies, but the premiums vary
greatly. This person was over the age of 55 and in the 25% tax bracket, making
her deductions really pay off. The two Avalon HSA qualified plans are the best
buys.
Vista
Vista
Aetna
Aetna
Avalon
Avalon
Avalon
Humana
Current
Individual
HSA
HSA
HSA
HSA
Ifocus
HSA
Inpatient Hospital
D&C
D&C
Deductible
Deductible
Deductible
Deductible
D&C
Deductible
Emergency Room
$100
$100
Deductible
Deductible
Deductible
Deductible
D&C
Deductible
Urgent Care
$30
$100
Deductible
Deductible
Deductible
Deductible
D&C
Deductible
Dr. Visit
$15
$15
Deductible
Deductible
Deductible
Deductible
$25
Deductible
Specialist
$30
$30
Deductible
Deductible
Deductible
Deductible
$50
Deductible
Well visit
$15
$15
$0 / $20
$0 / $20
$35
$35
$25
$0
Rx
$10/$35/$50
$10/$20/$40
Deductible
Deductible
$10/$30/$50 AD
$10/$30/$50 AD
$15/$50/$75
Deductible
Diagnostic test (MRI, CT Scans)
$100
$100
Deductible
Deductible
Deductible
Deductible
D&C
Deductible
D&C = Deductible & Coinsurance
AD = After Deductible
Annual Premium
$7,563
$5,825
$4,296
$4,440
$3,282
$4,223
$5,405
$4,163
HSA Tax Deductions ($3,800 x 25%)
$0
$0
$950
$950
$950
$950
$0
$950
Best Case
$7,563
$5,825
$3,346
$3,490
$2,332
$3,273
$5,405
$3,213
Annual Deductible
$500
$500
$5,000
$3,000
$5,000
$2,500
$1,000
$5,000
Coinsurance Out of Pocket Maximum
$1,500
$1,500
$0
$0
$0
$0
$3,000
$0
RX Deductible
$0
$250
$0
$0
$0
$0
$250
$0
Worst Case = Annual deductibles + Coinsurance Out of Pocket Maximums +
Best Case
$9,563
$8,075
$8,346
$6,490
$7,332
$5,773
$9,655
$8,213
We are insurance agents not a CPAs. Every effort has been made
to make sure that information in this website is accurate in regards to Health
Savings Accounts and Tax Savings. Please consult with your tax
professional, the IRS, and your State revenue department.
Allen
Insurance Agency is not employed by, connected with or endorsed by the State
Department of Insurance, United States Government or the Federal
Medicare program
