The good thing about the HDHPs is the availability to have an HSA.

HSA money is collected pre-tax. Balances over a certain amount can be invested. But the good thing about it is that it’s yours to keep. Not like an FSA that disappears at the end of a year.

So she could save up for the deductible for her surgery for her debilitating chronic pain over the course of several years. After she pays thousands in premiums and her employer pays thousands more. Like a good American.