I have wracked up $15k on two credit cards, partially due to my own lack of common sense and partially due to an emergency surgery and medical issues last year and the year before. My efforts now are focused on paying the cards and then tackling my only other debt, a student loan. If I continue at my current rapid pace of paying them down, the cards will be paid off by June 2019.
This year I find myself with fewer medical woes and about $400 in my HSA, an amount which grows by about $140 every biweekly pay period. I can’t decide if I should save the HSA up to my $2,000 deductible, my $6,500 out-of-pocket max, or keep reimbursing myself through the HSA to pay off the credit cards. The previous, totally unexpected surgery has made me gun shy about draining the HSA, but I also have an emergency fund of $1,500 that is never touched. I have about $4,000 in reimbursable expenses that I could (eventually) withdraw from the HSA and hypothetically throw at the credit cards. Can anyone offer any advice, or has anyone been in a similar position?
