What CRACTT weighs
Expected total cost
Premiums plus likely out-of-pocket spending, not the premium alone.
Worst-case exposure
What a bad year costs under each plan, capped by the out-of-pocket max.
HSA value
Tax savings and employer contributions that can flip the comparison.
Network and drugs
Whether your doctors and prescriptions are actually covered.
FAQ
- Is this medical advice?
- No — it's a cost comparison of plan designs. Coverage questions go to the insurer.
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