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: Family. This is decision support — you can compare the alternative below at any time.
Why this fits
Lower paycheck deductions
You'll pay $3,510 less per year in payroll premiums than you would under the PPO.
LemonCorp helps fund your HSA
LemonCorp contributes $1,000 to your HSA based on your coverage tier.
Cash flow
You said you have savings or other resources available for unexpected healthcare costs, which makes a higher deductible easier to absorb.
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 Family 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 $1,000 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
You expect dental or vision expenses and the HDHP pairs with an HSA — a Limited Purpose FSA can cover those costs before your medical deductible is met.
- 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
Dependent Care FSA
You told us you pay for eligible dependent care.
- Use pre-tax dollars for eligible daycare, preschool, before/after-school care, or elder care that allows you and your spouse, if applicable, to work.
- 2026 limit: $7,500 per household
- $3,750 if married filing separately
SmileBright Dental
You expect orthodontia. Orthodontia coverage applies to children up to age 19, with a $1,500 lifetime maximum.
- Preventive: 100% covered
- Basic: 80% after $50 deductible
- Major: 50% after $50 deductible
- Annual maximum: $1,500 per person
- Orthodontia: Child up to age 19
- Orthodontia lifetime maximum: $1,500
- Biweekly premium (Family): $26
ClearView Vision
You told us you wear glasses or contacts.
- Exam: Every 12 months
- Exam copay: $10
- Lenses copay: $25
- Frames: Every 24 months
- Frames/contact allowance: $150
- Contacts: Annual, in lieu of frames
- Biweekly premium (Family): $10.50
Supplemental Life Insurance
You told us other people rely on your income. Employer-paid Basic Life and AD&D is already included; supplemental coverage builds on it.
- Employee: up to $500,000
- Spouse: up to $250,000
- Children: $10,000 flat
We don't suggest a specific coverage amount — that depends on financial details this tool doesn't collect.
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.
Retirement reminder
Don't leave LemonCorp money on the table
LemonCorp matches 100% of the first 4% of eligible compensation you contribute.
Company match is immediately 100% vested.
You may contribute on a Pre-Tax or Roth (post-tax) basis — both count toward the match.
Consider reviewing your contribution rate. Contributing less than 4% may mean you're not receiving the full available LemonCorp match.
- 2026 standard employee deferral limit: $24,500
- Catch-up (ages 50–59 and 64+): additional $8,000
- Special catch-up (ages 60–63): additional $11,250
- Total defined contribution limit (employer + employee): $72,000
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.