Can a Federal Employee save money by switching his family of four to a High Deductible Health Plan (HDHP) / Health Savings Account (HSA)? Here’s another follow-up.

So far the answer is NO.  We’re about $400 behind where we were last year with the conventional Blue Cross/Blue Shield (BCBS) plan.

Doctor and pharmacist visits for the month of May bring the 2013 Aenta YTD total to $3347, versus $2940 with BCBS (basic) during the same time period in 2012.


FEHB Aetna HDHP HSA total costs

Other FEHB Aetna HDHP/HSA Notes:

  • Premium pass-through (rebate) of $125 posted early-month (May 8th).
  • No visits to the dentist this month.
  • 5 months in to 2013 and we’ve nearly burned through our deductible (~$2,800 spent in network out of a $3,000 HDHP deductible). It will feel nice to have ‘real’ health insurance again soon 🙂

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