Two medical plans. One simple decision. Everything you need to understand your options — plus a live calculator that does the math for your exact situation — so you can choose with confidence.
One trades a little more per paycheck for predictable, low bills at the doctor. The other keeps premiums low and unlocks a tax-free savings account you keep forever.
| Plan design | Plan 1Low Deductible · No HSA | Plan 2HSA-Eligible |
|---|---|---|
| Individual deductible | $500 | $3,500 |
| Family deductible | $1,000 | $7,000 |
| Plan pays after deductible | 70% | 90% |
| Individual out-of-pocket max | $2,000 | $5,000 |
| Family out-of-pocket max | $4,000 | $10,000 |
| Office visit | $40 PCP / $60 specialist | Deductible, then 90% |
| Prescriptions | $20 / $50 / $75 copay | Deductible, then 90/90/70% |
| HSA eligible | No | Yes ★ |
The company pays your full employee-only premium on either plan — so covering just yourself costs $0. If you add dependents, you pay the difference, and Plan 2's lower premiums mean a smaller share.
| Your coverage tier | Plan 1per month | Plan 2per month |
|---|---|---|
| Employee only | ||
| Employee + spouse | ||
| Employee + child(ren) | ||
| Family |
Here's the full picture — payroll deductions plus what you'd pay out-of-pocket for care — across three realistic years. Notice how the winner flips depending on how much care you use.
There's no wrong answer — both plans are good. This isn't financial advice, just a nudge based on how you describe yourself. For real dollars, run the cost calculator.
Tap one answer per question. Your lean updates as you go.
Money goes in before tax, grows tax-free, and comes out tax-free for medical costs. It rolls over every year, it's invested like a retirement account, and it follows you if you ever leave. You fund it with your own contributions (the company doesn't add to it). On Plan 2 you're HSA-eligible — you'll get your HSA setup details after you enroll.
Pick your coverage tier and how much care you expect. We'll show your real annual cost on each plan — and what the HSA could save you.
Run my numbersThe triple tax advantage explained, who benefits most, plus a plain-English glossary and HSA FAQ. No jargon, no spin.
Learn about the HSADental, vision, life, short-term disability (maternity included), and more. Learn what protects your income and family beyond medical.
Explore benefitsNew hires and anyone with a qualifying life event make their elections in Rippling. You can also view your current coverage, dependents, and official plan documents there anytime.
Email benefits@mybuildercares.com and our member benefits team will personally walk you through anything — from "which plan?" to a specific claim. Prefer to talk it through? Just let us know and we're happy to jump on a Google Meet.