Hi! So I'm in my open enrollment period. I have a surgery planned for sometime next year, and I'm assuming my cost for that (20% after my deductible) will be higher than any out of pocket maximum for the health plans I'm offered.
My question is, should I get the high deductible health plan with HSA? The monthly premiums will be lower, and since I'm assuming I'll reach the out of pocket maximum anyway, then I'll essentially only be paying for the surgery for the year and all other healthcare / prescription related costs would be "free" since I've reached the maximum out of pocket for the year.
I just want to make sure I'm thinking through this correctly. Thanks to anyone who can help!
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