I’m getting kicked off my parent’s insurance soon because of age. My employer offers 4 health plans and I’ve narrowed it down to 2 to pick from: The HDHP with HSA or the one with no deductible.

The HDHP with HSA has a $106 per month premium with $1,750 deductible. The company contributes $1,316 to the HSA and my on maximum contribution limit for 2027 is 4.5k. After the deductible, basically everything is co insurance at 80% with the exception of preventative physicals, which is fully covered.

The no deductible is fully paid for by the company with preventative maintenance fully covered. I will have to pay copays, but it ranges between $10-$60 depending on what medical thing I need (prescription refill, seeing specialists, etc.).

I’m leaning towards the no deductible plan because I do anticipate having medical needs outside of my annual physical; mainly regular mental health therapy stuff (about $30 copay on no deductible plan) and the occasional refill for prescribed ointment for skin issues I have.…