Our PPO is kind of a hybrid-you pay a copay when you go to the doctor, have labwork, fill prescriptions, but you do the coinsurance (deductible) when using ‘major medical’ services like inpatient and outpatient. And the HSA is a fairly new product.
Last statistics I remember seeing, about one third of our 150,000 heads of contract enroll in the HSA. The rest use the PPO products.
Ours is the same way so I guess it’s a hybrid? I find it annoying because with the HSA everything goes towards the deductible and towards the out-of-pocket Max. It takes a long time with the PPO to meet the deductible since the things we pay the most, for doctor’s visits and prescriptions, don’t count. Which makes it a little more interesting to try to calculate when we will meet either of those. That’s good a lot of your people chose the HSA. I wish I did years ago, it would be nice to have that little Medical nest-egg.