This shouldn't be surprising. If you're on an employer-based healthcare plan, a HDHP only makes sense if you're young, healthy, have no dependents, don't take expensive medication, and your employer pays most of the annual cap into your linked HSA.
I fit most of those checkboxes, but I take PrEP (preventative HIV med) that is something like $1500/month before deductible, and the math for HDHP vs traditional plan does not check out in that case at all.
I fit most of those checkboxes, but I take PrEP (preventative HIV med) that is something like $1500/month before deductible, and the math for HDHP vs traditional plan does not check out in that case at all.