Couple of insurance questions. Have used the Gold HRA the last few years, but based on the evaluator the Silver HRA comes in about $700 less per year. From what I can tell the only difference between the two besides the lower premium is you get less delta dollars. Worse case is I hit the max family deductible but with the savings on monthly premium it cost $1000.00 more. What am I missing???

2nd question. Does anyone use(is it allowed) to use the dependent care fsa for pre K(mother's day out type program)?

Thanks