Benefits plan - which one is good if you don’t go to the doctor at all, but want annuals covered, want shots and a backup in case you end up having to go so deductible isn’t too high? TIA🙏

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That’s what I did! I did HDHP with HSA. Golden.

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Sounds like the HDHP would be right for you. Preventative care covered (annuals and immunization). Deductible is highest, but of you only go once, then shouldn't be too bad. You still get insurance negotiated rates if you stay within UHCs Network on the HDHP.

Go with the HDHP. The ability to fund an HSA pre-tax is invaluable

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