I am HDHP (with HSA) and wife is on her own health plan with kids from her employer.
I have asked coworkers about this prior to enrollment (check YOUR plan)- well visits are FREE, immunizations are FREE, and my employer contributes to my HSA regardless of what I do ($750 each year). Our deductable is $1500, if I go 1 year without an expense, nothing out of pocket for me- prior to deductable kicking in (then it's 20-80 until out of pocket max of around 5k).
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