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Nov 12, 2024
1:08:01pm
TheNerd Political Junky
If you expect low medical expenses, then I'd probably go for the one with the
lower premium and higher deductible, and put away as much money as you can in the HSA. I guess the best way to calculate is to calculate the annual difference in premium between the two (say $250/month vs $500/month as an example) and try to guess based on past experiences if you'll end up racking up medical expenses enough to justify the higher premium. Usually if you never/rarely go to the doctor, and pretty much always for routine/preventative care, then there's no need for a low deductible and/or more comprehensive coverage; only when you start to have regular costly medical expenses does that start to make sense.

Do the math, though, since sometimes the numbers add up in such a way that one plan ends up actually being more valuable (like a plan has a much lower deductible but only costs a little more each month, or something like that).
TheNerd
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TheNerd
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Nov 14, 2024
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Nov 12, 12:47pm
Nov 12, 12:47pm

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