HSA vs. PPO with twin toddlers, 3–4 therapy visits a week, and a few ER trips a year: will the HS…

HSA vs. PPO with twin toddlers, 3–4 therapy visits a week, and a few ER trips a year: will the HSA actually save us money?

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Family of 4 with two toddlers, choosing between two employer plans for 2027. We have 3–4 recurring appointments every week, year-round (PT, OT, and therapy for me and the kids), so roughly 150–200 visits a year.…

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HSA vs. PPO with twin toddlers, 3–4 therapy visits a week, and a few ER trips a year: will the HSA actually save us money?