The tax savings on the difference in premium between high deductible health plans and low deductible health plans is probably $2k at most ($6k in extra premiums @30% tax rate). That’s for single coverage, but even for family total year tax savings can’t be more than $5k.
In either case, triple tax advantage of HSA is far more, especially due to compound growth.
If you have the cash to be able to deal with $10k of medical expenses in an emergency, HDHP + HSA is a no brainer
In either case, triple tax advantage of HSA is far more, especially due to compound growth.
If you have the cash to be able to deal with $10k of medical expenses in an emergency, HDHP + HSA is a no brainer