This was why I originally chose the HDHP a few years ago, as it was cheaper than our traditional copay plan, and I received ~$2k each January to put into our HS

This was why I originally chose the HDHP a few years ago, as it was cheaper than our traditional copay plan, and I received ~$2k each January to put into our HSA from my employer. However, as we’ve gotten older, we’re hitting our deductible more often, meaning that we’re putting in a few thousand in addition to my employers part, which has also declined this year to $1400. This new plan from Surest is $40 more per month, and we lose that $1400, but there’s no deductible and copays are like $10-20 for dr visit, $30 for urgent care, and $325 for ER visit. These are all-in prices, so no more surprise bills for the random out of network dr that looked at your X-ray, or 3rd party labs.