Basically what title says - I’m young and work offers two plans above. With POS I’d pay ~$2400 more / year in premium but have peace of mind that I can always see doctor. I think HSA might be worth it considering I am young, the tax benefits seem insane, and I don’t often see doctors nowadays (went in maybe 4 times last year - 1x for testing, 1x physical (which I think should be covered by either plan), and probably 2x when I visited a clinic for minor illness).
Was wondering if anyone has thoughts on this. Again, if I don’t see a doctor often, the HSA seems to make sense (at least for a year or so) so that I can have that advantaged investment account - which I believe comes fully withdraw able at 65.
Thanks again
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