Maternity - it just depends on the plan. Though good comment to be extra careful.
I think HSAs are great if you are overall healthy, & you are good at saving money.
Our private plan topped out at about $850/month. I forget what the out-of-pocket was, but there was co-pays and an out-of-pocket max, in addition.
The first couple of years our insurer offered HDHPs, they weren't very good. Then, last year, they offered about $500/month with $3k deductible and out-of-pockets. Basically, they can't charge us more than the insurance and the deductible. I researched everything really carefully, and jumped on it. I LOVE it. We've been on it almost 22 months. We maybe used $1k of our deductible last year, and so saved about $2k in the end. This year is not over, but I'd be surprised if we used $200. Preventative stuff tends to be no-charge. So we don't get charged for regular checkups, etc., which we do keep up with.
We actually have not used the HSA, because our medical expenses are so high (compared to our income) that they are already tax deductible. Safari may have been confused, but HSAs can be a PITA in California because they state does not recognize them. Though Federally they are treated a bit like IRAs, in California they are not deductible and the earnings are not tax-deferred. The record keeping becomes a nightmare. This is another reason I have not opened one, though in the future we probably will. Even though we haven't seen the HSA benefit, I still think our HDHP is worth it.
We did give up prescription too, but the coverage was never good to begin with (privately).
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