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@glorydaz Plan 4 20k MAX cost OOP max +Prem Plan 3 17,808$ cost OOP max+Prem Plan 2 21,501$ cost OOP max+prem Plan 1 20,772$ cost OOP max+prem The best plan if you don’t think you might use healthcare that much but you want coverage in case something catastrophic happens. I would say go with...

@kab00m I would do the non buy up as if you take the 7k OOP max - 2000$ HRA that makes it comparable to the buy up plan and way cheeper