Open enrollment time, considering HDHP
It's open enrollment time at work again and I'm strongly considering the high-deductible plan for the first time. My employer keeps raising the premiums and the co-pays on the standard plan. Meanwhile they keep sweetening the deal on the HDHP/HSA.
It's a bit of a gamble because if we have to go to the doctor a lot (or especially the hospital) I could end up losing a bit. But the upside if we don't use a lot of healthcare is huge. Plus being able to invest the HSA funds is a bonus.
Anyone opting for their HDHP instead of their standard health plan?
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