Anyone able to help me decide what is the best health insurance plan to pick? It’s my first time getting off my parents and I would love some advice

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If you need medical attention often, pick PPO and if you are fairly young without any health issues choose the high deductible plan + FSA account. You can read on the pros and cons for those types of plans

HSA is what would be in a high deducible which means triple tax savings, so you can invest it and not pay any taxes however it can only be used on health (loose definition). However, high deductible means you have to pay a very high (usually 2.5k or more) deductible before your insurance “kicks in”. Current maximum is 3600 and rises by 50 every year. This is an extremely lucrative benefit that can pay off for you and your dependents when you’re older; even when you switch plans.

FSA you can get with any plan, up to 2850 but has to be used *in the same year*. Be careful because most don’t have rollovers. This is for everything EXCEPT a high deductible with HSA.

I recommend a HDHP with HSA for people who are relatively young and healthy, possibly can pay 3k in a pinch (or ask parents in emergencies) just to get access to HSA before you need more medical care. Lower deductible is nicer if you need medical care often, takes less time to “kick in”. Is way more expensive for both yourself and your employer, but worth it if you expect to need it.

Getting health insurance through your employer is the best route usually as they pay a part of the premium. A portion of your premium is also usually paid out of your check pretax. If you are young/healthy I would go with the higher premium too as you probably won't need it much.

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