The HSA covers you in making that high deductible - that is the point. Beyond that high deductible, the coverages look pretty similar to a traditional health plan. At $60 / month, that's $720 per year out of the premium amount dumped into the HSA. That covers most of an individual yearly deductible. Considering my age and health, I doubt I'll need anything in the first few years, anyway. I haven't used my insurance for diddly squat in the past two years. Dental is the only regularly-occurring one, and that is a supplemental deal anyway.
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