Traditional Plan

• Limited $25-$30 Dr. Co-Pay
  (no credit toward deductible)
  
  
• Limited $10-$25 Rx Co-Pay
  (no credit toward deductible)
  
  
• Multiple Deductibles
  (sometimes 3 per family,usually only 2per family)
  
  
• No Pre-Tax benefits
  (unless self-employeed)
  
• 80% Coinsurance
  
  
• No Maternity, Dental, or Vision
  
  
  
• Rates go up 20-30% / year
  
  
• No Retirement Savings

HSA/One Deductible Plan

• No Out of Pocket Doctor Co-Pay
  (paid through HSA account)
  
  
• No Out of Pocket Rx Co-Pay
  (paid through HSA account)
  
  
• One Deductible / Family
  
  
  
• Pre-Tax Benefits
  
  
• 100% Coinsurance
  
  
• Maternity, Dental, Vision
  (paid through HSA account)
  
  
• Rates more stable
  
  
• Unused HSA funds are your money