So I’m (26m) a contractor, and only get a very small subsidy for a HDHP from work. AEP ended for them on 11/15, and since I wasn’t sure if the plan was HSA eligible I decided do decline coverage.
I did keep critical illness coverage and group accident policies through MetLife.
For 2025 the only expected health care costs I will have will essentially be psychiatry which will be effectively out of pocket under the plan I would’ve had through work.
I wanted to ask if it is a really dumb decision to just coast for a year off a group accident and critical illness plan? I know I won’t be HSA eligible, I’m just looking for truly the most bare bones coverage as I expect to be brought on full time with benefits at my current job in the next calendar year. I just want some protection if I get hit by a car, kidney failure etc.
Any help would be great !
Edit: I’m also open to getting additional coverage for accident for example with even a $50/mo premium. The lowest plan I can find that’s HDHP in California is like $230 / mo.
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