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Thank you! I'll make sure to touch on your 1-3 in each of the relevant sections.

On HSA contributions. I personally love HSA's. They are one of the best types of accounts with a coveted triple tax benefit (pre-tax contributions, tax free growth at the federal level, tax free withdraws for medical expenses). And if your company contributes directly, it is even better.

It is a no brainer for someone who only uses Dr's for annual check-ups/Emergencies OR someone who always ends up hitting up against the max out of pocket. My family ends up in the middle where it is closer to break even in the short term and the ease of the PPO/EPO options end up personally winning out.

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