Hi all! Mid-20s F, just switched jobs and deciding between health plans. Plan details to follow, but some initial context:

I am in CA which limits the tax advantage of an HSA :(

My employer pays 99% of premiums, so the monthly cost is $5-$8 regardless of plan; they also contribute $50 / month to HSA

There is a general health FSA if I don't select the HDHP

I should have enough cash flow to pay for OOP medical costs and use an HSA as an investment vehicle if I go that route

KNOCK ON WOOD: I have historically low medical costs, which is why I'm even entertaining the HSA -- the past two years I've gone to my annual physical + done a skin check and that's it. I also see a private therapist about 1x / month who is quite expensive (total OOP is >4K), and I believe based on my research with allowed amounts, etc.…