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.