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Comparison of HSA plan to a traditional plan.
HSAs typically cost less than many traditional plans.
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Monthly Payment: Premium Savings Total
Annual Claims expense: Deductible 20% Co-insurance maximum Deductible + Co-insurance
Savings Account Deposits (Tax Deductible) Income Tax Savings 22% (asuming15% Fed, 7% State) If that year you had: Maximum Claims Minimum Claims |
Traditional Major Medical 273.40 0 273.40
1,000 1,500 2,500
0
0
2,500 0 |
Best > Best > < Same >
< Same > Best > Best >
Best >
Best >
Best > Best > |
Health Savings Account 195.75 77.65 273.40
1,000 0 1,000
931.80
205.00
<136.80> $1,136.80
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By paying the same $ into both plans we are comparing "apples to apples"
Much lower cost on larger claims!
The money you save can really add up!
You get a tax deduction for saving !
All claims paid with money left over! Your savings and tax refund |
The above comparison was made using current rates for a 47 year old female, non-smoker.