irvinehomeowner said:I've always thought that the rule of thumb is if you're younger and in good health, go PPO because you'll have lower doctor visits, less chance of expensive procedures etc etc.
As you get older, go HMO, because like me, you'll be seeing the doctor every week.
Well...actually with Obamacare, everyone will be seeing the doctor every week because it's their "right"!
yaliu07 said:Currently, I have a choice between Kaiser (HMO) or Blue Cross Consumder (HDHP, High Deductible Health Plan)
Kaiser
PRO
I dont have to worry about deducible
Con
$2500 more expensive
Blue Cross Consumer
PRO
HSA
$2500 cheaper per year
Con
High Deductible. High Out of Pocket