<prompt> Human: Company said it cant afford to pay as much as it has been. Out of pocket premium is going from about 200 a month to 1000 a month. Thats an extra 400 every 2 weeks Im losing. How do I accommodate this loss of income? Ive already gone through open enrollment and the health insurance marketplace doesnt look much better for non-tragic or stupidly high deductible plans.Assistant: Is that the only plan the company offers? A high deductible plan might be ideal in this situation. They feature lower premiums and while the deductible can be daunting, you can save up the deductible fairly quickly by saving the difference in premium into an HSA.Human: The other HDHP has a deductible of 7500 and the premium is about 300 a month  <response>: Okay, so if you put 700 into an HSA each month your cost is the same 1000 and you can save the HSA annual max 3400 for an individual within less than 5 months, and be set to cover about half your deductible should anything happen requiring medical attention, then you can continue saving in regular savings to cover the rest of the deductible. If theres no major medical problem, then you escape the year only having paid 3600ish and with a healthy HSA account you can continue to build. This plan would put you in a tight spot if you had major medical expenses in the next few months, but could put you in a better position going forward. 