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HSA-compliant gap health insurance?

My company did away with our PPO plan and forced everyone in a CDHP/HDHP with an HSA. They contribute $1000 to the HSA each year, and I am currently contributing my max amount per pay period to get to $3450. My max OOP deductible is $3500, but the plan starts paying 80% at $2000.

I'm interested in looking at a gap plan that will still have a sufficiently high deductible to let me have an HSA (which I intend to use as a supplemental retirement account), but will prevent me from emptying my HSA if something bad happens. Basically something with a deductible between $1300 and $3500. I have not been able to find anything like that just out there, just a couple company-provided plans that offer additional gap coverage for CDHPs. Anyone know of a plan like this offhand? I can examine the economics of it on my own, but I need to get an idea of premiums.

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level 1
[deleted]
2 points · 6 months ago

United Healthcare has a hospital/doctor fixed indemnity insurance plan that is good. Premium depends on your age and the exact plan. Example for a 40 year old, in the range of $100/mo to $200/mo.

level 1
Disability/Health/Life
1 point · 6 months ago

Are you intending to stay in the current plan but you want to 'insure' the deductible/OOP?

level 2
Original Poster1 point · 6 months ago

The minimum deductible to be eligible for an HSA is $1300.

My current plan pays 80% after $2000, with max OOP at $3,500.

I want to find a gap insurance which has a deductible >$1300 and can cover up to $3,500 and look at how the premiums line up. I'd figure it would be decently cheap, as the max they would pay a year is $2200.

level 3
Disability/Health/Life
1 point · 6 months ago

There is no true gap insurance to insure the deductible. You'd be better off putting away funds to cover the deductible.

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