Team Member + spouse w/high use, salary: $45k–$150k

 Choice HSAValue HSAChoice HRAValue HRA
Annual deductible$5,000$8,600$10,000$13,100
Annual paycheck contributions$5,700.96$5,076.60$4,589.28$4,554.60
2 preventive office visits$0$0$0$0
5 primary care doctor visits$1,040$1,040$1,040$1,040
2 teladoc visits$110$110$110$110
1 outpatient surgery$560$560$560$560
1 emergency room visit$3,076$3,102$3,102$3,102
Subtotal$10,486.96$9,888.60$9,401.28$9,366.60
Tax-advantaged account money-$550-$550-$550-$550
Total expenses$9,936.96$9,338.60$8,851.28$8,816.60