$3000 deductible, no HSA
$6000 deductible, HSA
$9000 deductible, HSA
I pay $370/month in premiums... $100 of that a fee because my spouse is eligible through her employer but the plans are even worse, so we declined it.
So we pay $4,500/year in premiums. Which equates to roughly a 20% effective income tax instead of ~15% normally.
This is ridiculous. Whomever seems best to get a single-payer plan in place is who I'll vote for. Absolutely no reason it should matter who my employer is for what doctor I can go see or how much I pay in private, personal medical bills.
Retirement accounts I feel the same way, but that's a long way off for the US.
Other countries have solved this fucking problem, I'm tired of elected congressmen firing back with "BUT VENEZUALA" quips every time someone mentions "Medicare for all".
And the proper response to that is "So we should eliminate Medicare altogether then, right? Where's your bill for that?"