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@jc42 That's what I was thinking too, having the HRA is nice. It's a big jump so I wasn't sure it's worth it. Also figure I can take extra I'm saving and dump it in my 401k

I got a new job and am looking at my employers benefits plan. They offer 2 plans through cigna. One is a High Deductible Base Plan and the other is Buy Up Plan. I also live and work in NY so not sure if that matters much. For some background I'm a 29 years old and have no medical issues at the...