Anyone with a family choose high deductible plan with HSA? Trying to figure out break even point for family of four.

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Yes. Two kids. We didn’t get past deductible but still spent less Money overall


Yes, the difference in premiums for us (fam of 5) is enough to fully fund our HSA so we only lose if we have roughly between roughly 8k and 10k medical expenses. Window might even be smaller haven't done the math yet this year.

You could make the argument that we win regardless as we can choose to not use the HSA funds and let them grow tax free plus get CC rewards on the spending.


What do you mean?

We did the same with two kids... Based on the numbers I’ve ran, it makes more sense to pay OOP.

+1 on the credit card points!


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