[raw_anon_1111]

When I compared plans at work over the years, I’ve found that it is rarely cheaper to do low deductible/higher monthly costs than higher deductible /lower monthly cost + pay deductible out of pocket.

[ceejayoz]

That will vary from person to person.

In our case, we tend to hit the max out-of-pocket pretty fast.

[raw_anon_1111]

Is that still cheaper than high deductible + HSA contribution to cover the deductible?

[ceejayoz]

Yes. Substantially so, in my case.

Likely not for many, but I definitely did all this math annually.