Studies show that the high deductible in an HDHP can discourage enrollees from using medical care. The PPO network guides enrollees to specific healthcare providers who must meet certain standards to be accepted into the network. These include acupuncture, ambulance services, blood sugar test kits and strips, chiropractic therapy, hearing aids and batteries, infertility treatments, X-ray fees, dental and vision exams and treatments, and coinsurance plan fees. The 2022 limits are $9,100 and $18,200.Ĭontracted health providers and hospitalsĪn HSA helps fund uncovered medical expenses. The 2022 out-of-pocket limit is $8,700 for an individual and $17,400 for a family. Higher premiums which vary on the deductible and other out-of-pocket costs.įor 2022, the maximum out-of-pocket cost is $7,050 for an individual and $14,100 for a family. For 2023, the limits rise to $7,500 and $15,000. Monthly premiums for HDHPs are generally lower than for other health plans. The funds disappear if not used by year-end or shortly after. The enrollee may have the option of opening a Flexible Savings Account (FSA) to set aside money for uncovered health costs. People ages 55 and older can make $1,000 in catch-up contributions. HDHP enrollees can save pretax dollars in an HSA. For 2022, individuals can contribute up to $3,650. You pay less if you use participating providers. Lower deductibles which vary among plans. Enrollees are eligible for an HSA to save pretax dollars to pay for deductibles and other healthcare expenses. The enrollee pays a deductible of at least $1,400 for individuals and $2,800 for families in 2022 and $1,500 or $3,000 in 2023.
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