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Open enrollment gives you the opportunity to review the benefits your employer will offer in the coming year. It’s important to look at all your options and make selections based on your current needs.
If one of your options is a high-deductible health plan (HDHP), keep in mind that your out-of-pocket costs could be as high as $7,000 for individual coverage and $14,000 for family coverage* before insurance kicks in. However, premiums are typically lower for an HDHP and some preventive care that’s not subject to the limits may be covered.
Another benefit exclusive to an HDHP is the ability to contribute to a Health Savings Account (HSA) to pay medical costs. HSA contribution limits are $3,600 for an individual and $7,200 for a family,* and your employer may make contributions to your account.
*2021 Limits
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