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boston bean

(36,220 posts)

1. If those are your only choices go with A.

Reply to PlanetaryOrbit (Original post)

Fri Nov 14, 2014, 07:55 AM

Nov 2014

It's always better to get the lowest deductible and it offers more peace of mind if something were to go wrong and you needed the insurance.

Both of your plans suck though. 80% coverage in network and 70% in network are sucky plans. You have to worry about an out of pocket cost for every single need.

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20 replies

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Can you all help me compare some health insurance options? I'm ignorant. [View all] PlanetaryOrbit Nov 2014 OP

If those are your only choices go with A. boston bean Nov 2014 #1

Plan B if you are healthy, plan A if not Travis_0004 Nov 2014 #2

My health care expense this year was just a few hundred dollars. PlanetaryOrbit Nov 2014 #3

You need to find out about the network. If it is not comprehensive, then Plan A will bankrupt you. Yo_Mama Nov 2014 #15

Being in your 20s and assuming generally good health, you shouldn't need coverage for anything Nuclear Unicorn Nov 2014 #4

Oh no PlanetaryOrbit Nov 2014 #5

Fair 'nuff. My original suggestion still holds, I believe. nt Nuclear Unicorn Nov 2014 #6

The reason the out of pocket max is unlimited for out of network mythology Nov 2014 #7

Your post is one more reason for single-payer. Vinca Nov 2014 #8

You're covered for the first 80% of what Medicare allows Lurks Often Nov 2014 #9

I know that. Vinca Nov 2014 #17

I would like to point out that I'm just plain ignorant. AngryAmish Nov 2014 #10

Plan A would be my choice Lurks Often Nov 2014 #11

No, in that scenario Plan A would save $1600. Nye Bevan Nov 2014 #14

We could both be wrong Lurks Often Nov 2014 #16

I would mercuryblues Nov 2014 #12

I crunched the numbers in Excel, Nye Bevan Nov 2014 #13

But, if possible, set aside the out-of-pocket maximum, and... Barack_America Nov 2014 #18

An HSA (health savings account) is great if you have money to contribute. Nye Bevan Nov 2014 #19

Thanks! PlanetaryOrbit Nov 2014 #20