Health Savings Accounts vs. PPOs

[http://dummy.us.eu.org/robert (Robert)]

Today, we had a so-called Health Fair at work.

I talked with someone at Cigna about HSAs.  Apparently, the high
deductible plan that's paired with an HSA has a deductible of $3000.  That
means that, for this year, for my surgery, I would have saved about $2000.
(It's hard to say whether that would be the exact amount, 'tho, given the
co-pays and premium totals, but it would have been likely to be less.)

So, the bottom line is that HSAs are a good deal if you have a catastrophe
or if you use very little medical care, but not so great if you spend a
moderate amount (more than the premiums and co-pays).