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$5,415.80$4,822.74$4,359.94$4,326.92
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$10,201.80$9,634.74$9,171.94$9,138.92
Tax-advantaged account money-$550-$550-$550-$550
Total expenses$9,651.80$9,084.74$8,621.94$8,588.92