Citrus HDHP with HSA
Based on what you told us, the HDHP appears to offer the strongest balance of cost and flexibility for your household.
Covering: Employee Only. This is decision support — you can compare the alternative below at any time.
Why this fits
Lower paycheck deductions
You'll pay $1,300 less per year in payroll premiums than you would under the PPO.
Your healthcare usage
You told us your household typically uses relatively little non-preventive healthcare, so you may rarely reach the higher deductible.
HSA opportunity
You told us you're interested in building HSA savings that can roll over from year to year.
Why you might choose the other plan
Higher paycheck deductions in exchange for a lower deductible and fixed copays.
- Lower annual deductible
- Lower in-network out-of-pocket maximum
- Predictable copays for PCP, specialist, and urgent care visits
- Defined prescription copays and a specialty coinsurance maximum
Compare both plans
Side-by-side cost snapshot
Shown for Employee Only coverage, in-network.
Illustrative high-cost year combines annual payroll premiums with the plan's in-network out-of-pocket maximum. For the HDHP, we've also subtracted LemonCorp's HSA contribution. Your actual costs will depend on the healthcare services you receive.
Other benefits worth a look
Health Savings Account (HSA)
The HSA is available only with the Citrus HDHP, and LemonCorp contributes $500 annually for your coverage tier.
- LemonCorp contributes $500 annually for Employee Only coverage and $1,000 annually for all other coverage tiers
- Your own contributions are tax advantaged
- Pays for eligible medical, dental, and vision expenses
- Unused funds roll over year to year and stay with you
- 2026 IRS limit — Individual: $4,400
- 2026 IRS limit — Family: $8,750
- Age 55+ catch-up: additional $1,000
- IRS limits include employer contributions where applicable
We don't suggest a contribution amount — that depends on expenses this tool doesn't try to predict.
Limited Purpose FSA
If dental or vision expenses come up, this account pairs with your HSA.
- Pairs with the HSA without affecting HSA eligibility
- Covers eligible dental and vision expenses before the medical deductible is met
- 2026 annual limit: $3,400
Already included at no cost
Basic Life and AD&D
1.5× basic annual earnings, maximum $350,000
Short-Term Disability
60% of earnings, maximum $1,500/week, up to 12 weeks
Long-Term Disability
60% of earnings, maximum $6,000/month
100% employer-paid. No election or premium required.
About this recommendation
This tool provides educational guidance based on the information you provide and LemonCorp's 2026 benefit summaries. It is not a guarantee of healthcare costs, coverage, tax treatment, or financial outcomes. Actual benefits are governed by the official plan documents. Review those documents and the enrollment materials before making your final elections.
Plans referenced: Citrus HDHP with HSA and Citrus Premier PPO, both on the Citrus Choice Open Access network.