HSA 2000 is a high deductible plan — and it comes with a Health Savings Account (HSA). GXO contributes up to $1,000 into this account, depending on your coverage level. In 2024, you can contribute up to $3,650 as an individual or $7,300 as a family of your own tax-free money into your HSA. You can use that money to pay for health care expenses before you dip into your own pocket, or you can save it for later. (You can even use HSA money for health care expenses when you retire.)

After you meet the deductible, the plan kicks in to share the cost. 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 PPO plans, the free money GXO contributes to your HSA can make this deductible more manageable. If you don’t spend the money in your HSA, it’s yours to keep until you need it in the future. In addition, payroll contributions are lower than both the PPO 1500 and PPO 750 medical options.

If you enroll in the HSA 2000 for 2024, you’ll get up to $500 for Individual coverage or $1,000 for Employee + One or More coverage. Learn more about the HSA.

The PPO 1500 is a traditional preferred provider organization medical plan. You pay only set copays for office visits and emergency care. 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.

If you cover yourself and one dependent in 2024:

• To meet the deductible, each family member will need to incur $1,500 or a family of two would need to incur a total of $3,000 of claims before coinsurance applies.
• To meet the out-of-pocket maximum, each family member will need to incur $5,000 or a family of two would need to incur a total of $10,000 of claims before claims are covered at 100%.

If you cover yourself and two or more dependents in 2024:

• To meet the deductible, each of three family members will need to incur $1,500 or a family of four or more would need to incur a total of $4,500 of claims before coinsurance applies.
• To meet the out-of-pocket maximum, each of three family members will need to incur $5,000 or a family of four or more would need to incur a total of $15,000 of claims before claims are covered at 100%.

The deductibles are lower than the HSA options and higher than the PPO 750, and there’s no deductible for prescription drugs (those have a copay from the get-go). But with the PPO 1500, you pay more from each paycheck.

The PPO 1500’s higher paycheck contributions could be worth the cost if you can’t afford to meet the HSA deductible — minus any money you get from GXO.

The PPO 750 is a traditional preferred provider organization medical plan. You pay only set copays for office visits and emergency care. 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.

If you cover yourself and one dependent in 2024:

• To meet the deductible, each family member will need to incur $750 or a family of two would need to incur a total of $1,500 of claims before coinsurance applies.
• To meet the out-of-pocket maximum, each family member will need to incur $3,000 or a family of two would need to incur a total of $6,000 of claims.

If you cover yourself and two or more dependents in 2024:

• To meet the deductible, each of three family members will need to incur $750 or a family of four or more would need to incur a total of $2,250 of claims before coinsurance applies.
• To meet the out-of-pocket maximum, each of three family members will need to incur $3,000 or a family of four or more would need to incur a total of $9,000 of claims.

The deductibles are lower than the HSA and PPO 1500 options, and there’s no deductible for prescription drugs (those have a copay from the get-go). But with the PPO, you pay more from each paycheck.

The PPO 750’s higher paycheck contributions could be worth the cost if you can’t afford to meet the HSA deductible — minus any money you get from GXO.

The Kaiser Permanente HMO is a health maintenance organization (HMO) available to California residents. An HMO is a type of health insurance plan that limits coverage to care from doctors and other health care providers who work for or contract with the HMO. It doesn’t cover out-of-network care except in an emergency. HMOs often provide integrated care and focus on prevention and wellness. The Kaiser HMO requires you to live or work in its service area to be eligible for coverage. The service area is determined by your home ZIP code. If you are eligible for the plan, you’ll see it as an option when you log in to enroll.

While the Kaiser HMO has the same deductibles as the PPO 1500 plan, it has lower paycheck contributions (similar to the HSA 2000 plan). But the Kaiser HMO has very limited out-of-network coverage, while all the other options cover both in-network and out-of-network care.