Many of us spend more time comparing prices in the grocery store than reviewing our benefit enrollment packages for 2025, yet careful consideration could lead to significant savings.
The average annual contribution by covered workers is $1,368 for single coverage and $6,296 for family coverage. Premiums and deductibles add up fast.
Understanding the difference between High Deductible Health Plans (HDHPs) and traditional plans is essential. HDHPs offer lower premiums but come with higher out-of-pocket costs before coverage kicks in.
Health Savings Accounts (HSAs) have three major tax advantages: contributions are pre-tax, earnings grow tax-free, and withdrawals are tax-free. They're portable and grow with you.
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