HMO or HDP? COST DIFFERENCE BETWEEN HMO AND HDP -FT (100%) PREMIUMS DEDUCTIBLES TOTAL COST DIFFERENCE HMO Cost HDP Cost HMO Cost per Annum HDP Cost per Annum Difference Deductible Difference per (26 pay per (26 pay HMO vs HDP per Annum per Premium and Deductible Pay Period periods) Pay Period periods) per Annum HMO / HDP Annum Cost Difference per Annum $478.20 $250 $478.20 - $250 = Individual $109.37 $2,844 $90.98 $2,365 more for the $500 / $750 HDP more $228.20 SAVINGS WITH HDP HMO than HMO $835.55 $500 $835.55 - $500 = Two-Party $267.71 $6,960 $235.57 $6,125 more for the $1,000 / $1,500 HDP more $335.55 SAVINGS WITH HDP HMO than HMO $1,426.98 $500 $1,426.98 - $500 = Family $326.35 $8,485 $271.47 $7,058 more for the $1,000 / $1,500 HDP more $926.98 SAVINGS WITH HDP HMO than HMO Total savings with HDP per annum for PT (80-99%) = $132.44 for Individual, $394.90 for Two-Party & $1,002.11 for Family Total savings with HDP per annum for PT (50-79%) = $216.11 for Individual, $585.57 for Two-Party & $1,263.48 for Family 14