Over the last few years my employer provided healthcare as changed in different ways. For almost 30 years I paid $0.00 weekly and my OOP was capped at $1,500(employer would cover the difference). Two years ago my OOP went up to $2,500 but coverage was still free. Last year was when the plans themselves started to change. They started offering an HSA plan, and my plan, but no one new could enroll in my plan. My plan also started to cost me $53 each week for coverage, BUT the whole family got these debit cards that would cover 100% of your medication costs. That was a win for me. I take 5 different meds a day, and 2 are quite expensive . I saved money on that plan. This year they discontinued my plan, so everyone went on the HSA. The cost of the plan is $24.11 a week. My OOP is now capped at $5,000 by the company.