I have been contributing to a HSA the last couple years, and it’s been fine. My work contributes $1800 over the year and it hasn’t really been a problem at all.
Now I have a kid and a spouse on my insurance, and they tend to go fairly often it seems. The copay and deductible on the HDHP is a bit crazy and I’m thinking of swapping to a PPO. Is that a good idea, or is turning down the free $1800 from my work a no no?
Here is a link to the plans
Thank you for your response, and I hope you and your family stay healthy. I have similar concerns for things that might pop up, but luckily everyone is generally pretty healthy. Last year we had to take a quick trip to urgent care and my copay was $450. It was a surprising amount, because previously I had never paid more than $75 for a visit. I was able to use my HSA for it, but man…if something more serious happened I could see that getting really expensive fairly quickly.