We have Aetna PPO currently and have been happy with it, however DH's company is switching to BCBS the first of the year. I hope they are as good as Aetna has been. We have a choice between another PPO or an HRA, which I have not heard of before. If I understand correctly, with an HRA, a thousand dollars goes into an account for medical expenses. Instead of paying a copay to see a doctor, we have to pay fully out of pocket until the deductible is met, which is 3000 for a family. We may use the thousand in the account toward these expenses, am I right so far? It does say that adult routine physicals are covered 100 percent, as are well child care visits and mammograms. Once deductibles are met, the insurance pays 90% of the bill. I think this might work for my family. DH goes yearly for an exam and is in good shape. He never gets sick and has quit smoking. I do have some health issues, but I am working on them and getting healthier. I see the doctor twice a year for follow ups, see my obgyn once a year. I get my flu shot, etc. However, our daughter is special needs. She has VATER Association, an acronym for multiple birth defects and she also has Reactive Airway Disease. She sees seven specialists in addition to her peds. Now, she is doing FANTASTIC! She had reconstructive bowel surgery and heart surgery this summer and did well, everything else is just wait and see. She sees her specialists one or twice a year and everything is looking good. (She sees Shriners for her rib/vertabrae anomalies, peds cardio for her heart, peds nephro for her one good kidney (multicystic kidney), peds neuro was for her tethered spinal cord, peds pulmo for her RAD, peds endo keeps an eye on her to make sure her hypoparathyroidism does not come back, peds GI for her feeding tube, eating issues and bathroom issues, and she has had a peds surgeon for various issues). Our insurance is her main insurance, because she recieves a small amount of SSI/Disability, she has Medicaid as her secondary, which covers the difference of her medical bills. Thank God, because we would not just be homeless, we would be without anything! Just her Pediasure and tubing would be several hundred a month. Would the HRA be a good idea for our family? What had been your experiences with HRA and why or why not did you choose the plan you did?