FIRST HEALTH PLAN

Compare the premium, expected year and bad year.

The lowest payroll deduction can be the most expensive plan after networks, prescriptions and cost sharing.

INPUTS

Gather the facts first.

01

Annual premiums for the correct coverage tier

02

Deductible, copays, coinsurance and in-network maximum

03

Provider network and prescription formulary

04

Employer HSA/HRA funding and eligibility

DECISION MAP

Use the branch that matches the evidence.

Decision map
Situation	Evidence	Action
Low expected use	Few recurring claims.	Compare premium plus likely use and confirm the bad-year maximum is fundable.
Ongoing care	Specialists or prescriptions recur.	Verify each provider and drug with the plan before enrolling.
HSA plan considered	HDHP and other coverage rules control eligibility.	Confirm eligibility, then include employer HSA dollars in the comparison.

DO THE WORK

Complete it in order.

Step 1

Annualize paycheck premiums.

Step 2

Model expected claims.

Step 3

Model the in-network maximum year.

Step 4

Choose the plan and reserve deductible cash.

YOUR NEXT MOVE

Choose the health plan using annual household cost—not the premium alone.

Compare premiums, expected care, deductible exposure, network restrictions, and HSA eligibility using the actual plan documents.

Premiums are annualized.

Expected cost is modeled.

Bad-year exposure is affordable.

Providers and drugs are verified.

HSA eligibility is confirmed.

Enrollment and effective date are saved.

PRIMARY REFERENCES

Verify current rules at the source.

NEXT DECISION