First, think of your health insurance plan as actual insurance, meaning something you will hopefully never have to use except in case of catastrophe. All your normal medical expenses will go through your HSA.
Search for HSA plans with high deductibles ($3k to $5k) and 0% co-insurance. Prices for such plans here in San Francisco are $75 to $110 a month. I chose the $75 option from HealthNet.
Then set up your HSA account. I use hsabank.com, but there are many options. Auto-fund your HSA account with $100 to $200 a month depending on your needs and pay all medical expenses from the account.
When the balance of your HSA account matches your deductible ($3k to $5k) then re-evaluate your monthly funding amount so it more closely matches your actual monthly expenses.
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+1 to ehealthinsurance.
First, think of your health insurance plan as actual insurance, meaning something you will hopefully never have to use except in case of catastrophe. All your normal medical expenses will go through your HSA.
Search for HSA plans with high deductibles ($3k to $5k) and 0% co-insurance. Prices for such plans here in San Francisco are $75 to $110 a month. I chose the $75 option from HealthNet.
Then set up your HSA account. I use hsabank.com, but there are many options. Auto-fund your HSA account with $100 to $200 a month depending on your needs and pay all medical expenses from the account.
When the balance of your HSA account matches your deductible ($3k to $5k) then re-evaluate your monthly funding amount so it more closely matches your actual monthly expenses.