@realbraidenshaw: A lower deductible doesn’t automatically mean a better health insurance plan. When comparing your options, look at the full picture: premiums, deductible, out of pocket max, coinsurance/copays, network coverage, and whether the plan is HSA eligible. If a higher deductible, HSA eligible plan saves you significantly on premiums, putting those savings into an HSA can be a great strategy. Especially if you’re relatively healthy and don’t typically have high medical expenses. Just remember not every high deductible plan qualifies for an HSA, and the best option depends on your healthcare needs and the specific plans available to you. Do your research, run the numbers on the plans available to you, and choose one that meets the needs for your situation.