So my husband has the option for an HSA, but they aren't kidding when they say high deductible. Just him is 4k with an OOP max of 8k. I envy those whose "high deductible' plan is 1-1.5k.

I've gone back and forth with it, especially since it's his open enrollment. I love the idea of the HSA but I don't want something catastrophic to happen in the meantime (while building up tye HSA) and wipe us out.

Also, a baby would have to go on his insurance (mine is too expensive to add family members). I do not love the idea of an infant on an HDHP.