Thanks in advance for any advice:
I’m a 37 yo married academic pediatrician expecting baby #2 in September.
Currently my 3yo and I are on a HDHC plan and love it. I’m eligible to apply for PSLF in 4 more years and it brings down my AGI.
My wife will stay on her heavily employer subsidized NON-HDHC plan (very affordable).
My two options are:
1) Me + kiddos stay in HDHC plan for $3k/yr. Plan has 80% coinsurance with $1500 ind / $3k family deductibles and maximum out-of-pocket of $4500 ind / $11k family
2) At birth (qualifying event) switch me + kiddos to the Cadillac PPO for $6k/yr. It has 90% coinsurance with (obviously) lower deductibles ($500/1000) and less out-of-pocket maximums ($3k/6k).
I know I’m fortunate to have these options and am leaning towards staying in the HDHC plan (we already have $3k in the HSA that can be used in a pinch) but wanted to get the forum’s thoughts. Thanks in advance!
I’m a 37 yo married academic pediatrician expecting baby #2 in September.
Currently my 3yo and I are on a HDHC plan and love it. I’m eligible to apply for PSLF in 4 more years and it brings down my AGI.
My wife will stay on her heavily employer subsidized NON-HDHC plan (very affordable).
My two options are:
1) Me + kiddos stay in HDHC plan for $3k/yr. Plan has 80% coinsurance with $1500 ind / $3k family deductibles and maximum out-of-pocket of $4500 ind / $11k family
2) At birth (qualifying event) switch me + kiddos to the Cadillac PPO for $6k/yr. It has 90% coinsurance with (obviously) lower deductibles ($500/1000) and less out-of-pocket maximums ($3k/6k).
I know I’m fortunate to have these options and am leaning towards staying in the HDHC plan (we already have $3k in the HSA that can be used in a pinch) but wanted to get the forum’s thoughts. Thanks in advance!
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