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

Choice HSAValue HSAChoice HRAValue HRA
Annual deductible$2,500$4,300$5,000$6,550
Annual paycheck contributions$1,616.42$1,346.80$1,136.46$1,121.38
1 preventive office visit$0$0$0$0
2 primary care doctor visits$416$416$416$416
2 teladoc visits$110$110$110$110
1 outpatient surgery$560$560$560$560
Subtotal$2,702.42$2,432.80$2,222.46$2,207.38
Tax-advantaged account money-$400-$400-$400-$400
Total expenses$2,302.42$2,032.80$1,822.46$1,807.38