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Some companies, like ACN, contribute to the HSA. The contribution basically offsets my premium for the year.
I had a couple of unexpected surgeries last year and hit the $4,500 cap, but still think it’s a bargain overall. That was the first year I spent more than $500 towards my deductible.
Not sure what value a generalized answer would have unless you are an actuary pricing a health insurance product. You should do the analysis using your own personal risk variables.