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How much is an HSA worth? Health insurance premiums vs funding HSA

N
Sep 26, 2025 · 03:28

Open enrollment is starting soon and premiums are going up again. Short story is that our insurance options will only offer an HSA with select plans. For my family, it will increase the cost by about $100 pay period, or $2600/year. I generally contribute close to the yearly max for the HSA, or around $8k (next year is $8750).

Do you guys think its worth the $2600 premium to continue to contribute to the HSA? Or should I take the premium and the post-tax HSA money and drop it in a Roth or something else?

Thanks!