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In my experience at three different employers the lower deductible plans are more expensive by more than the difference in the deductible. That is, in my experi
by Amezarak 8y ago
In my experience at three different employers the lower deductible plans are more expensive by more than the difference in the deductible. That is, in my experience, it has always been more rational to choose the higher deductible plans because even if I assumed I would always meet the deductible the cost of the deductible plus the premium was always less on the HDHP.
- uberduber 8y agoMore or less this. I am a person who exceeds not just the deductible but the out of pocket max more years than not. The out of pocket max on the bronze plan is something like $7k and the out of pocket max on the platinum was still $5k, but the premium difference is $900/mo. There are certainly cases where you come out ahead on the platinum but I think they are unlikely for most people.