In response to your quote from Prattfan, my wife has some chronic issues that require very expensive medications and we have had several very expensive surgeries in the past few years causing us to reach Max out of pocket very early every year. So, your concern about expensive medications is unfounded in that it can cost $15k every month because prescriptions; while not payable using the HRA, DO count against the out of pocket max. Every year, we do hit the oop, but no more out of pocket for RX because it is 100 percent covered. You may have 1 month at $3-$5k but that would be the only one. Sorry for the rambling response.