10/13/2026
Cheaper health plan or lower deductible? It depends on how much care you’ll use.
Health insurance costs are set to rise 8% to 15% in 2027. In our example:
• Rarely see a doctor? The cheaper plan saves you $960 a year, plus about $1,334 in taxes with a full HSA contribution.
• Need regular care? The lower-deductible plan saves you up to $2,040 in a year you hit the deductible.
• The tipping point is about $1,460 in medical bills.
Before open enrollment, estimate your care, check your doctors, and update your income if you’re on the marketplace.
Full guide and checklist in the comments. Follow SuperMoney for more real-world money tips.
