weightcantwait t1_iuig6ek wrote on October 31, 2022 at 4:02 PM

The HDHP costs less (premiums *12) and you get a $500 contribution so it's the better choice if you don't go to the doctor much or have any medications. You also get the tax savings if you contribute to your HSA so based on what you described the HDHP is better.

Are you not staying on your parents plan until 26?

Mclovinshamster OP t1_iuijr0h wrote on October 31, 2022 at 4:26 PM

My plan is a lot cheaper than my dads plan so it’s better for both of us if I head on my own. It was something like $500 premiums monthly for my dads plan.