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If you don’t have to go to the doctors often, get the HDHP. Been on it and still on it - going into my late 20s now
I only go in once a year for the annual check up
Most companies have a benefits wizard which you can input your expected health needs (how often you plan to go to the dr, if you plan to be hospitalized, etc) and then it’ll tell you best type based on costs. But also agreed, HDHP is generally the best if you don’t go to the DR a lot. Plus you can start building HSA funds.
Agree on this!! Join a plan where you can have an HSA!
For the HDHP, look at the deductible and max out of pocket. Aim to save at least enough in your HSA to cover the deductible. I've used an HDHP since I was 19 and have never hit my deductible, but one bad car accident or broken bone, and I'd need to come up with that deductible. So I contribute regularly to my HSA. Its tax free and can be invested too so win win.
This is exactly my strategy. I have always had HDHP and try to contribute the max (after I’ve maxed my 401k). Just note what your employer contributes on your behalf is included in your annual contribution limit. The tax forms can be confusing on this and I almost over contributed one year I switched companies and got contributions from both employers in the same calendar year.
You can use that cash in your hsa for the rest of your life even if you change jobs or retire.AND once you retire or hit a certain age - I forget the exact rules, you can use that as general retirement income. Meaning, no need to spend that on healthcare, you can spend it on whatever. So you’re building yourself a rainy day fund (if that rainy day is medical related) and also building your retirement savings.
Use the Alex tool to help you. It’s on the benefits site!
Wow I didn't notice this Alex tool before! Thank you so much - it's super helpful