The lady in the phone said it’s to make sure all my info is correct and my medication is correct but that’s what my regular Dr. is for is it not? Why do they need to incentivize people for this appointment? I just find it odd and I’m concerned it’s to bait me into saying I don’t need a medication or to somehow find a way to not cover something. I don’t know if that’s possible but I don’t trust insurance companies.

Please tell me if you’ve had to do this and if anything weird happened!

As the title says, my mom had an emergency stay in the hospital in Mexico while we (Americans) were there on vacation.

Hospital required direct payment, which I put on my credit cards. She reimbursed me from her savings as soon as we got home (about $35,000).

She has since passed away.

Is it possible that her insurance (Humana / Medicaid) will reimburse me for this cost, since it came out of her pocket (and my inheritance)?

What's the best way to persue it?

EDIT: She did not have travel insurance. I realize this would have been helpful.

The hospital did not accept any form of insurance anyway, only direct payment.

Yes, it was a life threatening emergency.

I turned 26 in mid-August, which meant it was finally time to say goodbye to my parents' health insurance and enroll in my company's insurance plan.

WHAT. IN. THE. ACTUAL. FUCK.

I have been on this insurance for approximately TWO MONTHS, and I am already convinced this entire industry was designed by Satan himself as some kind of elaborate psychological torture experiment.

Let me paint you a picture of the absolute NIGHTMARE that has been my existence.

ACT ONE: THE GREAT INSURANCE DISAPPEARING ACT

I turned 26 in August. I submitted ALL of my qualifying life event paperwork. I did EVERYTHING I was supposed to do to get enrolled.

And then?

NOTHING.

Radio silence. Apparently, my paperwork was launched directly into the fucking void.

August comes and goes. September comes and goes.

MID. FUCKING. OCTOBER.

THAT IS WHEN THEY FINALLY GET ME INTO THEIR SYSTEM.

TWO. ENTIRE. MONTHS.

But don't you worry, because you know what WAS working flawlessly that entire time???

THEM TAKING MONEY OUT OF MY PAYCHECK.

OH, SO YOU CAN FIGURE OUT HOW TO TAKE MY FUCKING MONEY, BUT YOU CAN'T FIGURE OUT HOW TO GIVE ME THE INSURANCE I'M PAYING FOR???

FASCINATING. TRULY GROUNDBREAKING STUFF.

ACT TWO: THE PROVIDER HUNGER GAMES

Now that I FINALLY exist in their system, I think, "Great! I can finally schedule a doctor's appointment!"

HAHAHAHAHAHAHAHA.

Oh, you sweet, stupid, optimistic little fool.

I go to the website my insurance company provides to find an in-network doctor.

I find one! I call!

"We don't accept that insurance."

Okay. Weird. Whatever. Moving on.

Find another one. Call.

"We don't take that insurance."

...Okay?

Third provider.

NOPE.

FOURTH PROVIDER.

ABSOLUTELY FUCKING NOT.

FOUR. FOUR PROVIDERS LISTED ON MY INSURANCE COMPANY'S OWN WEBSITE WHO APPARENTLY HAVE NEVER HEARD OF MY FUCKING INSURANCE.

At this point, I'm starting to wonder if my insurance is even real. Am I paying for an elaborate subscription service to NOTHING??? Did I accidentally sign up for a monthly donation to some CEO's yacht fund???

ACT THREE: THE WEBSITE THAT WAS A LIE

I decide to call my insurance company.

Because SURELY there must be some kind of explanation for this.

I explain the situation, and they inform me that...

THE WEBSITE THEY DIRECT YOU TO FOR FINDING PROVIDERS ISN'T EVEN THE CORRECT FUCKING WEBSITE.

I'M SORRY.

WHAT?

YOU MEAN TO TELL ME THAT YOUR OWN WEBSITE, WHICH YOU PROVIDE TO YOUR OWN PAYING CUSTOMERS, SENDS THEM TO A PROVIDER DIRECTORY THEY AREN'T EVEN SUPPOSED TO BE USING???

WHO IS RUNNING THIS COMPANY???

THREE RACCOONS IN A TRENCH COAT???

So they give me a NEW website.

Okay. Fine. Wonderful. Maybe the nightmare is finally over.

ACT FOUR: THE PHONE NUMBERS FROM HELL

I go to the CORRECT website.

I find providers.

I start calling.

THE FUCKING PHONE NUMBERS DON'T WORK.

THE NUMBERS.

DO. NOT.

WORK.

WHAT AM I SUPPOSED TO DO??? SEND A FUCKING CARRIER PIGEON??? COMMUNICATE THROUGH SMOKE SIGNALS??? MANIFEST A DOCTOR THROUGH THE POWER OF POSITIVE THINKING???

I AM BEGGING. BEGGING ON MY HANDS AND KNEES. PLEASE JUST LET ME GIVE SOMEONE MONEY TO LOOK AT MY MEDICAL PROBLEMS.

ACT FIVE: THE FINAL STRAW

By some divine miracle, I find a phone number that ACTUALLY WORKS.

A REAL HUMAN ANSWERS.

I COULD HAVE CRIED.

We start scheduling an appointment.

I can see the light at the end of the tunnel. The heavens are opening. Angels are singing. For one fleeting moment, I believe there might actually be a God.

The scheduling lady asks for my insurance.

I tell her.

THE. LINE. GOES. FUCKING. DEAD.

...

I genuinely just sat there staring at my phone.

I HAVE NO WORDS.

NONE.

I AM 26 YEARS OLD. I HAVE BEEN AN ADULT FOR YEARS. I PAY MY BILLS. I HAVE A JOB. I PAY MY TAXES.

WHY DOES SCHEDULING A FUCKING DOCTOR'S APPOINTMENT FEEL LIKE I'M TRYING TO DEFEAT THE FINAL BOSS OF A VIDEO GAME THAT WAS SPECIFICALLY DESIGNED TO MAKE ME LOSE MY WILL TO LIVE???

I HAVE JUMPED THROUGH EVERY HOOP. I HAVE CALLED EVERY NUMBER. I HAVE VISITED EVERY WEBSITE. I HAVE GIVEN THESE PEOPLE MY MONEY.

AND FOR WHAT???

FOR FUCKING WHAT???

I DON'T WANT A YACHT. I DON'T WANT A MILLION DOLLARS. I DON'T EVEN WANT GOOD CUSTOMER SERVICE ANYMORE.

I JUST WANT TO GO TO THE FUCKING DOCTOR.

IS THAT TOO MUCH TO ASK???

WHY DOES THIS INSURANCE COMPANY EXIST??? WHAT PURPOSE DOES IT SERVE OTHER THAN TO COLLECT MY MONEY AND SYSTEMATICALLY DESTROY MY LAST REMAINING SHREDS OF SANITY???

I HAVE BEEN ON MY OWN INSURANCE FOR TWO MONTHS, AND I AM READY TO FILE FOR EMOTIONAL DAMAGES.

If this is what being 26 is like, I would like to return it. I have the receipt. This product is defective.

TL;DR: Turned 26. Got company insurance. Took two months to get enrolled despite them taking my money the whole time. Their provider website lists doctors who don't accept my insurance. Insurance company tells me it's the WRONG WEBSITE. New website has phone numbers that don't work. Finally get someone on the phone, tell them my insurance, and the call drops. At this point, I am convinced my insurance policy is actually just a monthly subscription to psychological warfare.

Hello everyone,

My fiancé is looking into top surgery options.

Open enrollment just started and although my fiancé does not have insurance, my company offers it to domestic partners.

We live in Florida and have the option of BCBS PPO or a HDHP with HSA. And I, of course, am completely lost.

I am so used to PPO Prime being the “gold standard” of insurance, but when researching a lot of resources said that the HDHP would be the better option for this type of thing.

I also have no idea what the difference is between Calendar Year Deductible and Out of pocket max?

I have attached a photo with all relevant info highlighted - blue is PPO and pink is HDHP.

Anyone have any experience with BCBS FL and top surgery options?

Any advice is appreciated! TY

i’m going to get health insurance though my employer but i’m so confused on copay, out of pocket max, and just health insurance in general. my whole life i’ve been on medical assistance cause my mom was on the poorer side or i wasn’t making a lot of money.

SO say my copay was $10, would i get a bill after that? for the rest of that cost?

im just so confused please help 🙃

I am in Arkansas and have been dealing with a frustrating situation with a dentist’s office. I’m trying to figure out whether I’m just stuck waiting for them to fix their mistake, whether I have any recourse, and honestly, who’s responsible here.
Before my procedure, I called the dental office specifically because I wanted to know the exact amount I would be paying. I wanted to make sure I had enough money set aside before going in. I was given an amount, went to my first appointment, paid that amount, and was told I wouldn’t owe anything else.
At my second and final appointment, I was told that insurance had denied the claim due to the age of the procedure (or whatever their explanation was), and that I now had an additional balance to pay.
Here’s where things get frustrating. I had just had the procedure and was still on medication. Something about the explanation didn’t sit right with me, but I wasn’t exactly in a position to fully process everything. I ended up paying the additional balance.
Well, come to find out, the claim wasn’t denied because of the age of the procedure at all. The insurance company told me the dental office hadn’t provided sufficient information when submitting the original claim. So instead of submitting a corrected claim, the office submitted an entirely new claim.
I called my insurance company again, and they explained that the new claim had also been automatically denied because the office had submitted it incorrectly AGAIN. They specifically told me multiple times that the office needed to submit a correction.
We are now well over a month past my procedure, and I’m still out the additional money I paid.
I’ve been trying to work with the dental office, but the entire experience has been incredibly frustrating. I’ve been made to feel like I’m the problem throughout this process. At one point, when I brought up paying while medicated, I was told something along the lines of, “This is why we tell you to bring a driver.”
For clarification, I was told to bring a driver because I was having a procedure and needed someone to take me home. Nobody told me I needed a driver because I might be expected to make additional financial decisions or payments while medicated.
The office has told me they will correct the claim, but at this point, I’m losing confidence that they’re going to get it right. They’ve already been told multiple times by my insurance company exactly what needs to be done, and they’ve continued to submit things incorrectly.
So, my questions are:
Am I just shit out of luck and have to wait indefinitely for the dental office to correctly submit this claim?
Since the additional payment was based on an insurance denial that resulted from the office’s own submission errors, am I within my rights to request a refund now rather than continuing to wait?
Who is actually responsible here? Is this entirely on the dental office, or am I ultimately responsible for the balance until insurance processes the claim?
Is there anyone in Arkansas I can file a complaint with or escalate this to if the office continues dragging its feet?
I understand that insurance doesn’t always cover everything, and I’m not expecting the dentist to magically make my insurance pay for something it doesn’t cover. But that’s not what happened here. I’m frustrated that I specifically called ahead to understand what I would owe, paid what I was told, and then paid additional money based on an explanation that turned out to be incorrect.
At this point, I just want my money back if I didn’t actually owe it, and I want to know what options I have if this office can’t get its act together.
Am I wrong here? What would you do?

No health visits other than regular and preventative -- considering high deductible G medigap plan ($93 premium with $3,050 out-of-pocket deductible) with guaranteed option of going to regular G at one year ($236 premium and Plan B deductible $292)...thoughts?

Looking at both plans - I'll be receiving a reimbursement from my Work (that doesn't offer Healthcare, but will be paying for $600-700) or so

Fidelis Catastrophic network looks pretty bad, but it would be $300 per month with 12k deductible (including preventive care + 3 wellness visits) - obvs ACA compliant b/c its bought off the exchange

Solo Health is $270 per month, and also includes preventive care (including at my current doctor) but does have various complainints on this subreddit about its reference based pricing, MHCS/PHCS network, non ACA, captive etc, lack of real in network hospitals for surgeries etc

Does anyone have thoughts on what makes sense? I'm going to be 26 in a few months, relatively healthy, only annoying thing is that I really like my PCP and I don't think he's in network at Fidelis - I also have Botox for hyperhidrosis, so I think I'll just need to pay out of pocket for that.

Curious on any thoughts - thank you all!

Hi all, this is my first experience with spousal surcharges and I'm wondering if what my employer charges is standard.

My insurance premium is $160/month for a high deductible plan. My workplace pays about $500/month on my behalf.

My spouse's job does not offer health insurance. If I added him to my plan, his premium would be $2170/month. That's just for him, not both of us.

It would make sense to me if I had to pay my spouse's premium ($160) plus my employer's part ($500) plus an additional surcharge. But to reach $2170, that surcharge would have to be $1510 per month. It seems like more of a penalty than a surcharge.

I understand that health insurance costs employers a lot, and when spouses are covered, that raises costs for my coworkers. I don't mind there being a spousal surcharge to keep those costs down. But I don't understand what the extra $1510 would be going towards. Is that an excessive surcharge, or am I just living in the much cheaper past?

TLDR: Is there such a thing as an advisor to navigate the freelancer/self-employed insurance chaos?

I'm not sure if this is something that exists, so I'm describing for what I'm ideally looking to find. I'm a full time freelancer, who recently got notice that her state insurance through Highmark will be raised to nearly $800/month. I definitely can't afford that. So now I'm looking into direct care, or any other options. Direct care sounds great for the smaller needs like annuals, flus, check ups, etc. But I have no clue how to navigate needing protection from the bigger, unexpected situations, like ER visits with big bills.

I have no idea what options there are out there, let alone the confidence to finally forgo my Highmark. Is there anyone out there that I can consult with?

I've just learned that I have an inguinal hernia that's going to need surgery, which averages about $12,000 in my area. This comes at the same time that I'm being presented with insurance for the first time in a long time (small business problems).

I haven't had to decipher anything like this in over a decade and just want to make sure I'm not screwing myself over before jumping on anything. Thank you for any advice in advance!

My plan is to spend the next year on the PPO to knock out my surgery and then speedrun everything else w/ the OOP and deductible having been met before the year is up. Once through the year, I'll end up on the HSA plan.

• PPO ($270/mo): $3,000 deductible and $6,000 individual out-of-pocket maximum. Most common in-network services have set copays before the deductible, such as $25 primary-care visits, $75 specialist visits, and $50 urgent care.
• HSA plan ($162/mo): $3,500 deductible and $6,450 individual out-of-pocket maximum. Most non-preventive care costs the plan’s negotiated rate until the deductible is met, then I pay 20%. No employer contribution.
• Both: In-network preventive care is covered at 100%. The HSA plan allows HSA contributions; prescription costs count toward its deductible, while they don’t count toward the PPO deductible.

There's also an $80/mo option for Select HSA 5500: $5,500 individual / $11,000 family deductible; $8,300 / $16,600 out-of-pocket maximum; 30% coinsurance after the deductible. There is a $1000 a year contribution to this one, but it just doesn't appear to be anywhere near an option for this year. Potentially next year, when surgery isn't in the plans.

How does this sound to those more experienced? My main concern and thought process isn't the yearly cost, but rather the upfront costs. I don't mind losing a few hundred in the year if I'm not having to worry about day to day costs potentially being heavy hitters. Going to see a specialist and get imaging on a plan that requires me to hit my deductible first sounds miserable.

Thanks again!

I (32F) have had a lot of dental work due to an accident.

#13-#15 have had root canal retreatment done this year, and my dentist said they are healing well. #13 and #14 have 5-year-old crowns. #15 has a brand-new crown, but this is the last attempt, so extraction will be the next step if anything happens.

#6-#10 got root canals 11 years ago, and crowns were placed immediately after. I still have the original crowns, and my dentist says they look fine.

There are some small fillings here and there on my upper teeth.

I feel like I will have a lot of procedures coming due to the age of my crowns, and eventually I will need an implant, either a full upper arch or individual ones. Also, I started doing cleanings every 4 months.

Right now I have dental insurance with Blue Cross Blue Shield (since 2023, so no waiting period). I already maxed out this year.

- $33/month

- $50 deductible and $1500 maximum coverage

- covers 80% basic services and 50% major services

I am looking to add Cigna 3000/100

- $29/month

- $100 deductible and $3000 maximum coverage

- covers 50% of basic and major services after the waiting period.

I am not sure if it makes sense to add a second insurance policy for future treatments. If so, which one should be primary insurance?

So, in June of this year I had VSG, commonly known as the gastric sleeve. My surgeon got the prior authorization and it was approved by my insurance no issue. Surgeon is In Network, his office is In Network, the hospital I was at is In Network, and even my Anesthesiologist is In Network.

I was looking through my claims on the BCBSTX app, and it’s showing that many claims from his office are now denied when they were previously approved, and that my $61,000 surgery and one night stay is denied? Even though the prior authorization still says approved and all my EOB’s say I “may owe” $0.

I’m just worried my $61,000 surgery is somehow going to fall back on me even though it was completely approved during the prior authorization.

They are located in New Jersey. Age 79 and 76. Income for both is less than $40k a year. Currently they are paying about $470 a month for plan N for the two of them, but I see that I could get that down to as low as $286 a month for both. I understand that some plans offer additional perks, but their current plan is not one of them.

Right now the lowest cost option is provided by Medico Insurance Company. My understanding is that all plan N coverage is the same and that doctors and institutions who take medicare can't refuse Plan N no matter what company provides coverage.

So why is it that people who work at the front desk for various doctors institutions often first ask for the name of the Plan N insurance company and than when I say Horizon Blue Cross Blue Shield they are practically visibly happy. What would happen if I say Medico Insurance Company for example?

Are there some written or "unwritten" rules that are not obvious that would make it harder for them to get the care they need if they go with cheaper and lesser known insurance company that also offers Plan N. Are there any other pros and cons that average person can't see until something bites them in the ass.

I’m looking for some advice because our health insurance premiums are getting ridiculous, and I’m trying to figure out what other options we might have.
We’re a family of four in Texas, with our third child due in March 2027. I don’t receive health insurance through my employer, so we’ve been purchasing our own coverage through BCBS Texas.
Our premiums for 2027 are going to be approximately $1,800 per month ($21,600 annually), and that’s before deductibles, copays, or other out-of-pocket expenses.
The biggest complication is that one of our sons has severe Hemophilia A and requires ongoing treatment with Hemlibra. Because of this, having comprehensive insurance with reliable specialty medication coverage is absolutely essential. We can’t risk losing access to his treatment.
We have a decent household income, but we’re right around the income threshold for ACA Marketplace subsidies, depending on how our retirement and HSA contributions factor into the calculation. We may qualify for some assistance, but I’m not counting on it.
I’m just having a hard time accepting that we’re spending over $21,000 annually on premiums alone, especially with another baby on the way.
For those who have been in similar situations:
Have you found any alternatives to purchasing individual family coverage directly through an insurance company?
Are there any Texas-specific programs or options for families with children who have serious chronic medical conditions?
Has anyone successfully navigated Marketplace coverage with expensive specialty medications like Hemlibra?
Are there any legitimate ways to reduce premiums without sacrificing comprehensive coverage?
Is there anything I might be overlooking?
I’m not looking for short-term health plans, health-sharing ministries, or anything that could exclude preexisting conditions. We need legitimate, comprehensive health insurance.
I’d really appreciate any advice or experiences. Thanks!

We were told that insurance premiums will be up 9% to 16% in the upcoming open enrollment and not to be surprised. Nothing an employer can do since this is an industry-wide increase. I am so exhausted tightening the belt year after year.

I have a family member that has had ALTCS for two years, which is Arizonas long term care system that’s a part of AHCCCS Medicaid. She recently found 2,700 dollars in a bank account, which puts her over the limit of only having 2,000 in assets to qualify. She spent most of it and it’s below 2,000 now.

I’m very afraid that ALTCS will find out about it and cancel her insurance. She absolutely needs this insurance. She lives in a care home. She has a brain injury but can sometimes present normal, so I’m always worried they will find her ineligible if they reevaluate her. It’s super obvious she has one though if you spend time with her and have her do anything slightly complicated. I would never leave her alone at my place for fear she will hurt herself cooking or get lost trying to walk somewhere.

I’m her representative for all her affairs. I’m thinking it’s best to be honest and tell them about the bank account she found? They probably have electronic systems that find out if she is hiding assets like bank accounts, right? I don’t want to do anything that loses her benefits and causes her to be homeless. Any advice appreciated.

Sorry in advance for the long story…in summary: has anyone else been underpaid by imagine360 for a claim?? I would encourage anyone to double check their math on the “allowable claim limits”…

—-

I have Imagine 360 health insurance through my employer. I was having trouble finding a therapist who would directly take the insurance, so I went the route of paying out-of-pocket and submitting the claims for reimbursement (terrible choice, I know). Before starting with the therapist, I called Imagine360 and specifically asked questions about the claims submittal process, how much I could be reimbursed, etc. I remember specifically asking if there was a max amount a therapist could charge per session in order to be covered by the insurance (minus my co-pay). They told me no, that I would only be responsible for my co-pay (I was naive and believed them back then lol).

After going to a few sessions, I got the superbill from my provider and submitted my first claim. I didn’t hear anything for over a month, despite reaching out, and then finally heard back. Therapy was costing me $250 per session and they told me the allowable claim limit was $121.59 per visit. Minus $40 for my copay, that meant I would be reimbursed $81.59 per visit (meaning I was actually paying $168.41 per visit).

Obviously, I was extremely upset. I spoke with an Imagine360 representative and told them I was mislead to believe the insurance would cover the entire cost minus my copay. I asked them if they could provide me with the recording of the previous call where they told me it would be covered. They escalated my concern and put me in touch with higher up employee, let’s call her Sarah. Sarah was much more helpful and pulled the call record. She told me they couldn’t send me the audio, but they could send me a transcript of the call and she would request it.

In the meantime, she gave me further information about how the allowable claim limit is calculated. I did a bunch of research as well to figure out what it all means. My plan specifically states (and Sarah confirmed) that the allowable claim limit for specialist care claims is the “Medicare allowed amount in the geographic area plus an additional 55%.” Now that I had this to go off of, I found the physician fee schedule search engine on CMS.gov and searched for my CPT code, adjusted for specific MAC locality San Diego (where I live).

The search engine gave me a price of $121.59 (the EXACT same price they told me was my allowable claim limit, down to the cent). I thought wait… this is the Medicare allowed amount, mine is supposed to be that +55%… that’s a pretty significant jump. I called Sarah back and explained. She wasn’t able to provide any answers, but she looked up the numbers as I told her and seemed to agree with my assessment. The 55% was not added.

That conversation was last week and Sarah told me she would look into it and get back to me. Today I called her back because I still hadn’t heard from her. She told me that her supervisor told her the claim is correct and I’d have to submit an appeal if I still have an issue with it. She also told me that her supervisor instructed her NOT to share the call transcript with me and that those recordings are for internal education only… Sarah kept apologizing and saying she doesn’t really know how the claim team calculates the reimbursements. She agreed to escalate again and I’m supposed to get a call from her supervisor within the next 3 days…

Am I missing something?? Are the rates in the physician fee schedule search the wrong place to look? I figured I was in the right place if the dollar amount was the same down to the cent….
But still, they are trying to make me submit MORE paper work and wait who knows how long for the claim appeal process (which they could continue to deny and then what??). As far as the call transcript, it feels so fishy that I was told I could receive a transcript and then they took it back. Makes me assume that I was in fact given the wrong information on that call, but without the transcript it’s just my word against theirs.

If my claim didn’t add the 55%, I seriously doubt I’m the only one that’s happening to. If there’s an error in the system that calculates the allowable claim limit, then there are probably tons of people getting less money than they are owed (and they may not even know if they’re not double checking the math themselves).

Not to be dramatic, but would this be worth talking to a lawyer?? Has this happened to anyone else? What do you recommend saying when Sarah’s supervisor calls? What questions should I ask?

Thanks in advance for any advice/feedback!

UPDATE:
I determined, based on the search engine on CMS.gov, that if my provider changes the CPT code to 1 hour session instead of 45 minutes (which she is happy to do), the Medicare rate is $178.34. With the +55%, that’s an allowable claim limit of $276.42. Meaning it SHOULD cover the full $250.

Currently I'm living in Florida. Next year I'll be living in VA for 4-6 months. After that, I'm not sure if I'll return to Florida or continue to travel. Is there a health insurance plan, or certain plan features/structure, that would be more useful for someone who travels around the Continental US?

Am I allowed to do state insurance for Florida and then a separate insurance plan for out of state? Or is that illegal/against some rule?

I know I'll have to find a new psych in VA for my ADHD meds. Other than that I don't have any serious health concerns.

I'll be meeting with an insurance broker sometime next month so I'm trying to prepare for that conversation as much as possible. I'd like to go into it with a rough idea of what I need. TIA!

I’m looking at my open enrollment, using UHC surest choice +. Can anyone tell me the difference between a full benefit insurance rate schedule & a single benefit insurance rate schedule? I looked it up online & I don’t think that’s correct in this case. The rate for employee only is the same for both, but family is 2-4x as much on the single benefit

Hello! I started a new job about a little over a month ago (yay for getting out of retail!) and on December 1st I will be eligible to pick an insurance plan. I just turned 26 a few weeks ago and got the boot from my parent's health insurance. Needless to say, I have been trying to gain a lot more knowledge and understanding of insurance types, programs, etc. since I will be going at this on my own now. I am a healthy 26 yo female with no major health issues with the exception of the flu or a stomach bug here and there. I do have to see my primary care physician about 2-3 times a year in order to get my mental health prescription refilled and then do my annual wellness visit. My medication is on the cheap side, even without insurance. As you can see in the attached picture, the PPO plan will cost about $124/paycheck in premium (I'm on a bi-weekly pay cycle). The HSA plan premium is about $73/paycheck. Though with the HSA, I know you should contribute at LEAST about $70/paycheck additionally into the HSA itself, which means I am really contributing closer to $143/paycheck to HSA. My company does not do any contribution matching. I know there's benefits of HSA as far as long term, but I don't want to make a financial mistake here and now. I will also be getting dental and vision with them. No choices to be made there, but I realize HSA can be used there too. With all of that information, what would you suggest is the best and most cost-efficient choice for my health insurance plan?