Health Insurance: Pick a Plan Like a Pro
Stop panic-clicking during open enrollment. Compare like it's your money — because it is.
Disclaimer
Not medical or insurance advice. Review your SBC and verify networks before electing coverage.
🎬 Part 2: HSA vs PPO & Hidden Benefits
Download transcript (PDF)Your deliverable
Stop picking plans on vibes. Run the numbers.
Health Plan Comparison Worksheet — fill online or PDFThe Beast of Confusion wins when you pick plans on premium alone. Run the comparison worksheet every year — even if you think nothing changed.
Quick reference
- Estimated annual cost ≈ premium + expected out-of-pocket (also check worst case: premium + OOP max).
- HSA requires HSA-eligible HDHP; funds roll over. Most health FSAs are use-it-or-lose-it.
- Search your intranet for EAP — often free counseling many employees never use.
Checklist
- Compare SBCs side by side for every medical option
- Verify doctors and prescriptions in-network
- Check employer HSA contribution (if any)
- Verify current HSA and FSA contribution limits via IRS Publication 969
- Confirm dental/vision elections