HSA Plus is a high deductible plan — and it comes with a Health Savings Account (HSA). XPO puts up to $1,000 into this account, depending on your coverage level. You can use that money to pay for eligible health care expenses before you dip into your own pocket, or you can save it for later. In 2024, you can put up to $3,650 as an individual or $7,300 as a family of your own tax-free money into your HSA. (You can even use that money for eligible health care expenses when you retire.)

After you meet the deductible, which is higher than the other plans, HSA Plus kicks in to share the cost (and pays the same portion as the Classic PPO and Basic PPO). Once you meet your out-of-pocket maximum, the plan pays 100% of eligible expenses for the remainder of the year.

While the deductible is higher than the Classic PPO, the free money XPO puts in your HSA can make this deductible more manageable.

For 2024, XPO gives you money in the HSA Plus plan twice a year in January and July. You’ll get a total of $500 for Individual coverage and $1,000 for Employee + One or More coverage.

The Basic PPO is a traditional preferred provider organization medical plan. You pay only set copays for office visits. For other services, you meet a deductible first, then the plan pays a portion of the cost until you meet your out-of-pocket maximum. At that point, the plan covers 100% of remaining eligible expenses.

The deductible is lower than for the HSA options and higher than the Classic PPO, and there’s no deductible for prescription drugs (those have a copay from the start). But with the Basic PPO, you pay more from each paycheck.

The Basic PPO’s higher paycheck contributions are only worth the cost if you can’t afford to meet the HSA deductible — minus any money you get from XPO.

The Classic PPO is a traditional preferred provider organization medical plan. You pay only set copays for office visits. For other services, you meet a deductible first, then the plan pays a portion of the cost until you meet your out-of-pocket maximum. At that point, the plan covers 100% of remaining eligible expenses.

The deductible is lower than for the HSA and Basic PPO options, and there’s no deductible for prescription drugs (those have a copay from the start). But with the PPO, you pay more from each paycheck.

The Classic PPO’s higher paycheck contributions are only worth the cost if you can’t afford to meet the HSA deductible — minus any money you get from XPO.