Is your deductible higher than what you can put into the HSA? I’m putting about $7k into my HSA each year, but my deductible is only about $3.5k. The first year

Is your deductible higher than what you can put into the HSA? I’m putting about $7k into my HSA each year, but my deductible is only about $3.5k. The first year sucked because we had to pay out of pocket until we had enough in the HSA to be reimbursed. But by the end of the year we had enough to pay off the next year’s deductible. Now I have enough in the HSA to pay a few years worth of deductibles. We typically burn through the deductible by March of each year, but we get it all back from the HSA and all of our medications and visits are incredibly cheap for the remainder of the year.