Advice on choosing a healthcare plan with new employer HSA v. Non

Hey Everyone! I am choosing a new plan with my new employer.

The plan options I am choosing between is the base HSA plan that is $104 bi-weekly vs. the Mid non-HSA plan that is $151 bi-weekly.

To note, I am a 39 year old female. I will not be having a baby this year, I currently am in good health and havent needed to go to the doctor for anything that was outside of a preventative visit this past year. I work from home so I dont drive daily (which is a risk to me and if I was I probably would get the mid plan). If I had a doctor I went to regularly, then I would probably get the mid plan so this is a purely risk based decision I am making on the chance that my health were to turn or I got into an accident.

Each plan has a $5,000 deductible, but Ive had an hsa before and wasnt crazy about getting the almost $200 bills after the billing process went into effect. It looks like the difference between these two plans bi-weekly for me is about $1,200 and since I am not currently needing regular Dr. visits I am just not sure which pan to go with. Worst case I get into an accident and have high med bills, best case I remain in good health and overpay for benefits I didnt need, or really best case, remain in good health and save money with HSA..

Base HSA out of pocket max $6500 – employer does NOT contribute to HSA or I would choose this plan (my last employer contributed $2,000 per year which was awesome)

Mid Plan out of pocket max $7900 – ($10 pcp – $100 Specialist – hospital $350 copay – urgent care $75)

What is a good way to measure the risk in this case, or what would you choose?

Thanks in advance, I always hate having to make these choices!

submitted by /u/Sad-Emu-2467
[comments]