Meet Alex

Alex is single. He doesn't smoke and gets his annual physical. He uses in-network doctors and pharmacies. Alex has a pretty smooth year.

Let's take a look…

Cost

He gets his free annual physical.

$125 visit x 1

100% paid by the company!

Alex goes to the doctor once for strep. The doctor prescribes him two generic medications that he fills at the pharmacy.

$125 visit x 1

$25 generic x 2

He goes to urgent care after a sports injury and gets an X-ray at an outside facility.

$250 visit x 1

$300 X-ray x 1

Alex sees a specialist twice during his recovery from his injury.

$140 visit x 2

Cost
No items found.
Alex's total expenses:

Alex has incurred a total of $740 in expenses from providers and services. Now, let’s see which plan would have been better for Him!

$740

in total expenses

Wait!
We also need to remember that Alex has been paying for medical coverage from His paycheck too. We'll add that in.
Remember, Alex incurred $740 in total expenses from providers and services.

In the HSA plan, Alex pays for His care out-of-pocket, while in the PPO plan, He pays copays for most of His care.

PPO
HSA
Costs paid by
 
Alex
$350
$660
Paycheck contributions
$2,436
$1,452
Company contributions
N/A
($500)

And the winner is...

The HSA plan is the winner for Alex!

In the HSA plan, Alex pays for His care out-of-pocket, while in the PPO plan, He pays copays for most of His care.

PPO
HSA
Costs paid by
 
Alex
$350
$660
Paycheck contributions
$2,436
$1,452
Company contributions
N/A
($500)
Alex
's
 total cost
$2,786
$1,612