Dr. Wacasey’s Equation

Comparison of Health Insurance Policies

Duncanville ISD

Employee + Family Plans:

08-03-15 Metroplex ISD Analysis - Tier 2 - $245 EF

At $11,832, it looks like the ActiveCare 1-HD policy has the lowest premium, and would cost you the least to stay well (that is, if you don’t have any health care expenses) throughout the year.
  
Now, let’s compare the other policies to the ActiveCare 1-HD policy:
  
If you bought the ActiveCare Select policy instead, it would cost you $1,200 more in premiums. But remember, P + O = W, so by choosing the ActiveCare Select plan, then WHAT You Might Spend on health insurance and health care would be even $1,500 MORE than if you had just gone with the lower cost, ActiveCare 1-HD plan.
  
If you bought the ActiveCare 2 policy instead, it would cost you $3,480 more in premiums. But remember, P + O = W, so by choosing the ActiveCare 2 plan, then WHAT You Might Spend on health insurance and health care would be even $3,780 MORE than if you had just gone with the lower cost, ActiveCare 1-HD plan.
  
If you bought the Scott & White HMO policy you would pay $348 more in premiums, but you could save $2,552 on WHAT You Might Spend in the unlikely case of catastrophe. But remember, in choosing this plan the tradeoff would be limiting your health care to an HMO network with a limited presence in DFW and NO out-of-network benefits.
 
This comparison is for illustrative purposes only, and should not be used as a substitute for professional financial advice.
The user should carefully examine all details of each health insurance policy under consideration,
and choose a plan based on their individual needs.