Ask payroll if they want one last chance to fix it, and then file a wage claim.

https://www.dir.ca.gov/dlse/howtofilewageclaim.htm

On our pregnancy year, we racked up something like $80K and the insurance company had to eat all but $8K of it. Another time, one of us had an urgent major surgery on January 6th and shattered the OOP Max. That was a fun year, because it was free healthcare for the rest of the year. We were getting everything checked out! That's the year I got on allergy immunotherapy, which was a big gamechanger.

If you're married and live in a community property state, spousal approval is required to change it off of your spouse as the beneficiary, because your property is community. The spouse gets first crack at it, since it also belongs to them.

>Under federal law, spousal consent is not necessary to name an IRA beneficiary. However, spouses have rights under state law. For example, if you live in a community or marital property state, spousal consent is generally required to name someone other than the spouse as the beneficiary of an IRA.

https://www.irahelp.com/slottreport/slott-report-mailbag-when-spouses-consent-required-ira-beneficiary-exclusion#:~:text=Under%20federal%20law%2C%20spousal%20consent,the%20beneficiary%20of%20an%20IRA.

It's a donut, basically. If you have very little health stuff, best to go HDHP and not pay the high premiums, since visits will be rare.

If you have major health expenses where you know you are likely to be admitted to a hospital (pregnancy, a dangerous chronic condition, major surgery), you may as well go HDHP, since you know you're going to max out, and benefit from lower premiums.

It's that middle area where PPO usually makes sense. You need regular doctor visits to manage your care, but it's just followup or checkup care, and you want to pay a small co-pay for these visits, knowing you're not likely to eat a big hospital bill.

It doesn't matter.

The only thing I can think of is that an IRA administrator is required to get spousal consent if someone wants to change their beneficiary to someone other than their spouse in a community property state.

>What's the situation where it's better to enroll in HSA? I always do FSA, but I'm scared to enroll in high deductible plan (requirement to enroll in HSA) because for a typical primary care visit, for FSA, I only pay $20 Copay, but with high deductible plan, I need to pay 20% coinsurance. Thanks in advance for the info.

Actually you'll pay 100% until you meet your deductible.