So, just a quick question on what the consensus is regarding HSA's.
Some background, current Federal Government employee, one kid, and single. Currently a veteran so can use their health services even though they are pain to deal with, as I live an hour away from any facility that can do x-rays/mri or more advanced care.
Currently with Blue Cross Blue Shield basic plan, that has great coverage for everything. $558/month. Current Copay of around $40 dollars depending on what type of care is needed.
I do go to the chiropractor every two weeks, with a $35 copay each visit. So $910 a year in copay, at least. I do not hit the minimum to claim health costs on taxes, over the standard deduction.
Or,
Should I switch to a HDHP plan around $300-$350 a month, but a ≈$3000 deductible for in network and ≈$5000 out of network, automatic $125 a month put into HSA by the insurer, and the ability to put in $5400 more in the HSA.
I am afraid that I am not taking advantage of the HSA, but it is hard to give up the Blue Cross for my child and myself. Curious what you all think regarding this.