Expecting an expensive medication in 2021 – does it make sense to switch from my HDHP/HSA medical plan to a traditional PPO?

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I am a relatively healthy 28 yo but experienced a severe eczema outbreak in the past few months. I’ve had relatively significant medical bills (~$2k) to cover appointments and medications. I am expecting to start an expensive medication in the next few weeks.

2020 was the first year that I contributed to HSA, paired with a high deductible. I maxed out the HSA.

My company’s open enrollment period ends soon and I’m not sure if I should stick with the high deductible plan or switch to the low deductible PPO.

Should I stick with the HDHP/HSA plan and just expect to hit the out of pocket max ($6450) in 2021? While not ideal, I could cover this with my income and not pull from the HSA while I continue to fund it.

Thank you!

submitted by /u/free-willy-
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I am a relatively healthy 28 yo but experienced a severe eczema outbreak in the past few months. I’ve had relatively significant medical bills (~$2k) to cover appointments and medications. I am expecting to start an expensive medication in the next few weeks. 2020 was the first year that I contributed to HSA, paired with a high deductible. I maxed out the HSA. My company’s open enrollment period ends soon and I’m not sure if I should stick with the high deductible plan or switch to the low deductible PPO. Should I stick with the HDHP/HSA plan and just expect to hit the out of pocket max ($6450) in 2021? While not ideal, I could cover this with my income and not pull from the HSA while I continue to fund it. Thank you!
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