Team Member only w/low use, salary: less than $45k

 Choice HSAValue HSAChoice HRAValue HRA
Annual deductible$2,500$4,300$5,000$6,550
Annual paycheck contributions$1,701.48$1,417.68$1,196.16$1,180.32
1 preventive office visit$0$0$0$0
1 primary care doctor visit$208$208$208$208
1 teladoc visit$55$55$55$55
Subtotal$1,964.48$1,680.68$1,459.16$1,443.32
Tax-advantaged account money-$400-$400-$400-$400
Total expenses$1,564.48$1,280.68$1,059.16$1,043.32