Should I choose a Low-Deductible Plan with Cheap Co-pay or High Deductible with HSA?
So I started a new job and for the first time in my career I have a choice of insurance. Before this I either had only one choice, or I was still on my parent's insurance and the cost of insurance was just added on to my paycheck each month. The last insurance plan I had was the low-deductible, low co-pay kind, however they never ended up having me pay a cent since they most likely listed the check-ups (one was a normal annual check up, and the other two were for bronchitis after a cold) as preventive care and thus covered. So for those visits I had $0 co-pay.
The current options for this are this one with low deductible but low co-pay and this one with a higher deductible but my company is giving out a $2000 annual HSA. I'm thinking the HSA would be the smarter choice as it would be nothing out of pocket guaranteed for the first $2000 at least, but is there some kind of pro/cons to each that I'm missing on? I apologize for being naive on the topic. Sorry if I forget any details.
submitted by /u/ResonantAce
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