trying to decide which plan to go with – HSP vs. BCP (first time having insurance w/ a employer)

helloooo i'm recently 25 and just got hired by my company full-time and I'm trying to decide which plan is better for me, honestly both of them seem just ok.

income: $58,000 pre-tax in VA

pretty healthy, I wear glasses/contacts, haven't had insurance for the past two years and definitely have a lot of checks ups to do, ie. dentist, PCP, gyno (which some of these I believe are at no-cost regardless of whether i've met my deductible)

HCP: $2,500 deductible, would be $58/mo and i'd be eligible for a HSA contribution by my company of $125 per quarter

BCP: $5,000 deductible, would be $11/mo, I would not be eligible for a HSA

so it seems like I either pay $58 a month while still trying to spend $2500 in services to meet the deductible, with the major perk being the $125 quarterly in my HSA. Or, with the BCP I have a deductible that i'm doubtful i'll ever be able to meet w/ the perk of a lower premium. i'm not exactly rolling in the dough right now, so it's important that I make the wisest choice financially

submitted by /u/ole444u
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