Well, it's my one day to do the health plan evaluator and try to dump the coverage awards for December.

Anyone else figure the HSA puts the current balance from the HRA out of reach as "post deductible" ? Meaning, you aren't likely to be able to use it unless you max out the family deductible.

Sticking with the HRA you can still use reward dollars from dollar 1.

Everyone tells me the HSA is a better deal, but the single family deductible and "post deductible" treatment of your carry over makes the plan effectively $2,800 more ($200 premium + $2,600 I'd have to fund).

What am I missing?