Originally Posted by RunningBum
That HSA plan didn't come for free. You pay premiums on it (perhaps subsidized). It has a high deductible so you'll pay a lot of medical costs out of your pocket before the insurance starts paying.
Yes I'll fix the dollar amounts as 2018 is $3450 for single.
The HSA plan is $2800 less than the non-HSA plan, so I have that money to go towards deductibles ...obviously there is a donut hole where I could pay more with the HSA plan; however, if you use the low/medium/high estimates they provide, the HSA plan actually is cheaper in every case due to co-pays that don't count towards deductible in the non-HSA plan. Thus the odds are in my favor the HSA will end up cheaper and the difference in premiums almost pays to fund the HSA contribution.