Evaluating health insurance for 2026. Does a HDHP make sense. Deductible is 2500 vs 1000 and is 1200 cheaper in premiums compared to the most basic non HDHP Plan. I’m not from America so unsure on what to choose.

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HDHP always. In high expense years it’s about the same but has slight tax savings advantage. In low expense years it’s a clear winner.

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What is the out of pocket max?

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