I'm offered a HMO plan through work with a HRA that would cover my OOP max & the plan has no deductible. They don't offer any HDHPs so I would get it on my own, meaning no employer match. What do you think, still worth it to do the HDHP/HRA on my own? I'm healthy, and am considering egg freezing but have read mixed things on whether HSA can be used to cover it if it's elective submitted by /u/sktngiceprncss [link] [comments]