FEHB Aetna HDHP HSA Costs

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 a follow-up.

So far we’ve survived flu season and our first round of Brand-Name prescriptions for 2 members of the family. ¬†Getting one of the Brand Name prescriptions approved was a major goat rodeo, while the other Brand-Name prescription was easy to obtain but came with some serious sticker shock (more on this particular issue in a future post).

While one of the drugs was $593 for a 90-day supply(!), amazingly we’re still not far behind where we would be if we had stuck with BCBS Basic (FEHB code 112). We’ve spent $1438 YTD on Aetna HDHP/HSA versus $1263 YTD last year with BCBS: Continue reading