Seeing what others considered when they made their enrollment choices might help you make yours.
Why the HSP works for me.
We’re all pretty healthy and only see a doctor a few times a year for minor illnesses. I’ve been enrolled in UC Care for many years because I liked the predictable copayments when we saw UC Select providers. But this year I’m eyeing the HSP with the Health Savings Account because I don’t want to pay more for coverage that we don’t use. And I like the idea that UC contributes $1,000 to my HSA. That should cover most—if not all—of our expected health care expenses. I’ll put the difference in premiums into my HSA, too. That way I’ll build a cushion for any unexpected expenses, while also saving on taxes and building financial resources for retirement.
Why UC Care works for me.
Last year I switched to UC Care. Both my wife and I have ongoing health conditions and see the doctor pretty frequently. An asthma attack put me in the hospital for a few days, too. I live near a UC medical center and my regular doctor is part of UC Select, so my out-of-pocket costs are relatively low and predictable. That’s important to me because I can’t afford to meet a high deductible. I’d rather pay more out of my paycheck in exchange for paying less when I get care.
Why CORE works for me.
Right now I’ve got other financial priorities, so I’m watching every dollar closely—including what I pay for health care coverage. Fortunately, I’m in good health and rarely go to the doctor, except for annual checkups. I take a prescription allergy medication, but it’s generic and doesn’t cost much. Right now, the CORE plan works for me and my budget. I know there’s the risk that I could get sick or injured and have a lot of medical bills, but I could come up with the $6,350 out-of-pocket maximum if I had to.