Most employers offer buy-up options via an IRS Section 125 plan, meaning you can purchase the premium with pre-tax dollars.
as a base plan (e.g., HDHP with HSA)? How often do you go to the doctor or take prescriptions? Do you have any specific doctors you need to keep?
You or a family member have frequent doctor visits, high prescription costs, or planned surgeries.
It is crucial to calculate the total cost, not just the premium. If a low-cost, high-deductible plan (HDHP) saves you $3,000 in premiums but you only have $500 in medical bills, it is better than a PPO with a $3,000 premium increase.
To give you a better idea if a buy-up PPO is right for you, could you share:
